BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX LEASE END 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 {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: CA
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:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates.

I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX est Spoke with XXXX XXXX at Shellpoint Mortgage. Advised him that my local DMV had told me that XXXX XXXX XXXX still held the lien to my single wide mobile home. However they sold out to XXXX, then to XXXX which filed bankruptcy. Online search shows all accounts were obtained by Shellpoint Mortgage, but XXXX XXXX said he had no information for our account being in their system. I am in need of an acceptable payoff amount for my account, as I need to sell the single wide mobile home. XXXX XXXX said he had used all the resources there to help me, he was very kind and helpful. We used all information that I had to offer but were not able to resolve who has my mortgage. The balance from the last communication was {$6500.00} or maybe a little more, I can't recall exact amount. 

I need my credit report to show that this debt has been paid and be able to receive my title so that the sell can take place. 

With thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account number : XXXX ( XXXX  ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, XXXX  No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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.

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 2022-08-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
P.O.C - Multiple Chase Bank members involved. 
Main contact - Bank Manager - XXXX XXXX ( XXXX, WA ) ================== In XX/XX/XXXX, I booked this flight through XXXX. At this time the covid pandemic had hit globally and a lot of countries were placing travel bans including my origin country ( USA ) and destination ( XXXX ). I did not take this flight and like many airlines, XXXX  offered travel vouchers in case of flight cancellations. This flight was booked with 12k miles and {$1000.00}. XXXX offered a voucher for {$1000.00} with the condition to use it within 24 months and if unused they would refund the amount back to the original form of payment used to book the flight. Fast forward to XXXX as the covid cases were on rising, I did not use this voucher for our travel needs anywhere globally. XXXX now refunded this amount of {$1000.00} in XX/XX/XXXX. I had booked this flight using a Chase credit card in XXXX but by XXXX this card/account was closed. Hence, XXXX 's refund was never received back to the credit card or given to me. Since XXXX, I have been trying to follow up with Visa, Chase, and XXXX. After endless customer care calls, filling complaints, visiting branches, and follow-up letters I have not been able to get a resolution from Chase. As per XXXX, they made a refund on XX/XX/XXXX. The transaction number is in the attached emails. Chase responded that they sent the funds back but they fail to provide a transaction number which I can show to XXXX. XXXX has shown their transaction was successful. Please assist in retrieving our money from Chase. It has been 2 years since the flight and almost 10 months since the cancellation refund. Thank you. 

====

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: A.R.M. Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for TRANSUNION to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

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: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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:
My name is 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 2022-08-18
Company: Experian Information Solutions 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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
N. 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 a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 2023-06-28
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
XXXX001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXXXXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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:
15 U.S.C 1681 Section 602 A state I have a right to privacy.

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.

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 2022-08-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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 sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXXXXXX is still reporting. As stated in my letter, I was a victim of the XXXX data breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this 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 non-monetary relief
Consumer complaint received 2018-10-10
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank owed debt on a cash withdrawal that caused account to stay in a negative status, the debt was incurred from a Bad Cashier Check Deposit ( the Cashier check was furnished from a Counter fit Person under investigation ) I personally filed a criminal police report on the person who gave me a counter fit Cashier Check with the XXXX XXXX Police Department. I wasnt able to bring my checking account to a positive status, thus creating a debt in the amount of the cashiers check. The collection agency has created over $ XXXX intrest on the original debt amount {$2000.00} ~ Under the Fair Debt Reporting Act, intrest cant be incurred if their no agreement and a checking account does charge intrest but a None Sufficent Fee, this Debt amount reported is inaccurate and not true. 
UNDER PENALTIES OF PURGERY THE INFORMATION IS TRUE AND CORRECT. 
XXXX XXXX @ XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Their investigation did not fix an error on your report

Complaint:
I never was late on payment to XXXX. XXXX   was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX office twice after move out. This is clearly retaliation by XXXX b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. XXXX  XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/Transuion.

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 2022-04-05
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have reached out to Moneylion via correspondences dated XXXX XXXX, 2022. They have yet to respond to me. I also have the certified mail receipt that was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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 filled a dispute with Equifax on XX/XX/2023, and with XXXX on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
As of today report showing accurately total revolving credit utilization of XXXX out of a total of XXXX in credit limits. 
However, it is falsely reporting this 46 % utilization ratio as 100 %, resulting in reporting of credit score over XXXX pts lower than it actually is. 

Separately, XXXX XXXX  is being falsely reported as late when creditor has confirmed it as current as of XX/XX/22 XXXX, XXXX XXXX is being falsely reported as late when creditor has confirmed it is current as of XX/XX/22 The total effect of these false items is a reporting of credit score over XXXX pts lower than it actually is

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