BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  Opened XX/XX/2022 for {$930.00}, XXXX XXXX XXXX XX/XX/2022 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-06-13
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, XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
For several months credit card companies have not updated their information to Trans Union XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: Information belongs to someone else

Complaint:
I recently got a copy of my credit report and I noticed some unauthorized accounts and inquiries. I have since then submitted to documentation required to have these accounts removed provided to me by the company 's fraud department, yet the accounts are still on my report. I have also notice inconsistences in the accounts reporting and have attached the reports. I would like these accounts removed immediately so that i can continue my home buying process.

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 2021-12-22
Company: NAVY FEDERAL CREDIT UNION
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 DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING XXXX. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. XXXX NEED REMOVE OR THIS ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Transaction Date : XX/XX/XXXX. 
My credit card was charged by a company called XXXX, {$6100.00} I have never communicated or visited in person or virtually with XXXX. 
I have no relations nor business with the company. 
I did not purchase any product or services from XXXX. 
I did not receive any product, material, or any type of service from XXXX. 
I never authorized any payment to XXXX. 
I never gave my credit card information to XXXX. 
I contacted a CHASE credit card fraud department first time in XXXX. 
CHASE contacted the XXXX and mailed me a letter from the XXXX, where the XXXX said that I made that payment to them in person. In XX/XX/XXXX, I put together a package with a letter and the airline ticket, to prove that I was on the flight from XXXX to XXXX at the time when my card was charged by XXXX. CHASE told me they will reopen my case and the investigation will take up to 90 days. After about 120 days I have been calling and emailing CHASE since XX/XX/XXXX. After my constant calls and emails to CHASE asking for the status of their investigation, they finally responded yesterday, on XX/XX/XXXX. In their letter, CHASE told me again that the transaction was legitimate and refused to refund me my {$6100.00} ( plus over {$1500.00} APR of 14.99 % in the last 23 and half months. ) Please help me resolve this fraud transaction and get my {$6100.00} from CHASE plus the interest. 

Please stay safe Warm regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-01-01
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank To whom it may concern : Through the following letter I want to complain about the problems I have had with my mortgage collections since XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the government of Florida  has sent checks for {$1300.00} each month to cover the costs of my mortgage because I am going through financial difficulties but every time the check arrives at Flagstar Bank it is not applied to my balance in a timely manner. 
Every time I call telephone technical support, they give me inconsistent answers and even the telephone advisors lie to me. I have never had the same response from telephone advisors in each of the many times I have called for my payment to be applied to my balance. 
The only way my payments have been processed is by making formal complaints with government authorities. Please apply the checks sent by the government to my general balance because I already owe a lot of money and the checks are in the possession of Flagstar bank. 
You should already be in possession of two {$1300.00} checks, apply them to my current statement and any balance where I am owing money. 
I am desperately asking for help because I just want the payments to be implemented. 
Thank you. HELP.

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 2023-06-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX I sent out a letter to challenge the inaccuracies on my credit report. 

Year of birth is listed as XXXX on report.which inaccurate. 

XXXX XXXX TERMS - XXXX ... Should be a numeric value only. Inaccurate. 
MONTHLY PAYMENT - {$450.00} ... there should be no monthly payment on a closed acct. 


US DIST COURT Court Name is incomplete. Should include city and state. 
XXXX  did not verify this acct. with the source which would be the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 disputed on XX/XX/XXXXXXXX  a late payment that is currently listed on my Equifax credit report, and after their investigation They did not remove this inaccuracy from my credit report. I believe this disputed information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 60 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this late payment despite previous investigation suggests that your procedures have not been adequate in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are several items on my credit report that are not accurate. I have written letters to dispute them and I receive stall letters from Experian stating that the letters did not come from me. 

With each letter, I provide my identification and utility bill as proof of my identity. 

I then tried to file a dispute online. My access to online disputing has been blocked. 

I call in to speak to a representative to do the dispute and am told that I can dispute an address because it's associated with an account. 

Experien is doing everything they can to deter me from removing an incorrect address and the accounts associated with it. 

I also provided them with a police report confirming I have been a victim of fraud. They said the police report doesn't list the specific address. On the date that my personal effects were stolen, how would I know what addresses/accounts the thieves would open in the future? I have been gettng the run around for over 7 months.

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 2023-06-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. 

The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . 

However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. 

Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. 

Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. 

I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fifth Third Bank uploaded a 1099 for my XXXX taxes on XX/XX/XXXX, well past the deadline to provide 1099s of XX/XX/XXXX. I had already filed my taxes at this point so I needed to amend them and alerted the bank to the issue. They told me they would not help me out so I amended the taxes myself on XX/XX/XXXX. The bank then sent a letter out on XX/XX/XXXX stating that they would cover the cost of amending a tax return due to this error. I called the bank and told them my situation and they said they needed an invoice from an accountant to reimburse me. I told them I couldn't get an actual invoice since I amended the tax return myself because I was originally told that I wouldn't be getting any help and the letter offering reimbursement went out a month after the late 1099 was uploaded. I got a quote from an accountant for what it would have cost so I could be reimbursed for my time but they denied reimbursing me based on that. I never would have amended the taxes on my own if I had received the letter earlier. I would have had an accountant do it and saved my own time but they sent the letter almost a month after uploading the late 1099. I was not able to be reimbursed because they originally said they wouldn't help and I filed on my own.

Company response to consumer: Closed with explanation