BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to express my deep frustration and dissatisfaction with the ongoing difficulties I have experienced while attempting to remove fraudulent items from my credit report. Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. 

Here is a summary of my unsuccessful attempts and the fraudulent items in question : I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. 
Upon discovering these fraudulent items, I promptly initiated a dispute with your organization by following the dispute resolution process provided on your website. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. 

To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. I have since made several follow-up attempts to dispute and rectify this situation by providing additional evidence, contacting your customer support, and seeking assistance from the relevant authorities. 

Regrettably, I have not received any meaningful resolution or assistance from your organization, despite my continuous efforts to correct this situation. This prolonged inaction is causing me significant financial and emotional distress. 

The presence of these fraudulent items on my credit report is damaging my financial reputation and hindering my ability to secure loans, credit, and housing. I have taken all necessary steps to report the fraudulent activities and provide evidence, yet these items persist in my credit file. 

I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. 

Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : 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 2022-04-24
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted my health insurance after receiving a bill from a medical  facility. The date of service was on XX/XX/XXXX for {$110.00}. 
My XXXX  insurance paid {$280.00} on XX/XX/XXXX. This is the second time for this bill that the medical facility tried to bill me for this invoice. 
I spoke to the medical facility about the XXXX time they were trying to bill me on XX/XX/XXXX at XXXX AM. The call ended and was told that they will review my file. 
I spoke again to the medical facility on XX/XX/XXXX and left a message. I received a phone call by the medical facility and was told that they did receive the payment from my health insurance and that they called the debt collector company and also faxed them saying to delete this account it was the medical facility and not my fault. I was told by the debt collector that they cant get into my account because they closed the file.

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 2023-10-28
Company: EQUIFAX, INC.
State: OH
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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 explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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:
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 XXXXXXXX Account XXXX XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX 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 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 2022-09-20
Company: JPMORGAN CHASE & CO.
State: CT
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:
My Chase card was double charged for {$10000.00} USD by the XXXX XXXX in XXXX on a XXXX stay for 6 rooms and the Hotel had already charged my XXXX XXXX Credit card. I paid the XXXX XXXX card and immediately notified Chase of the error in XX/XX/2022. I sent Chase documentation to show XXXX XXXX was already paid and also sent them the email from the hotel GM and Finance manager saying they would issue a credit to Chase, which they have not done yet. I have called Chase every month since as they have " investigated '' the issue and each time the representative would ask me for additional documentation which I would fax or upload within 24 hours. Chase would send form letters that I received about three weeks later which would prompt me to call them again. 

Chase has just informed me that although they see XXXX XXXX was paid, there is nothing they can do because it took so long for them to resolve and they want me to pay them too. I told them the reason it took so long is because of them taking 5 months, not me as I gave them whatever info they asked for within 24 hours. I have copies of all the documentation I sent them. 

Today, 6 months later, Chase is telling me I need to pay them and get the money back from the Hotel. I explained that I am in the middle of the transaction and that's their responsibility not mine as I don't know if in fact the hotel hasn't already credited them back. They threatened to put me in collection if I didn't pay them and ruin my XXXX credit score and I made them aware I sue them for damages besides getting this this to every consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I received a letter informing me of a medical debt I owed. I called Remex Inc and explained I could not afford the debt. I made a partial payment and was told ( on a recorded line ) that I would receive a phone call/s when the next payment would be do. I did not set up an automatic payment because I was afraid I wouldn't have the money available. A representative, on XX/XX/2022 said there was a phone call made on XX/XX/2022 at XXXX, however there is no record of that call or voicemail received. This debt is now on my credit report after I have shown that I am attempting to, and have paid some of this debt. I asked for a statement saying that the debt will be taken off my credit report, but I was told it's company policy that a letter will not be sent out. I was already lied to over the phone, and lied to about receiving a call, so I do not trust that the debt will be removed form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-27
Company: Ladera Lending, Inc
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I was contacted via telephone by Ladera Lending of XXXX XXXX, CA regarding mortgage refinancing options. The agent took some general information about myself and the property in question. 

The agent asked if he could review some of my financial information which I agreed to. He did not request authorization to access my credit report. At no time during the conversation or my initial request for contact did I provide my social security number. When he asked if he could review some of my financial information I assumed it was the same information that lenders receive from the credit bureaus that help them market their products. That is general information such as general credit worthiness. It is not a person 's full credit report. 

While I was on the phone with the Ladera agent, I received notification from XXXX that Ladera had made a hard inquiry and received my full credit report. I did not authorize this hard inquiry. 

Since I did not disclose my social security number to Ladera, it appears that they fraudulently had my social security number in their possession and used it to access my full credit report without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I faxed Equifax on XX/XX/XXXX and on XX/XX/XXXX, requesting the four ( 4 ) accounts to be re-inserted to my credit report. In a dispute with the Consumer Financial Protection Board ( CFPB ) filed ( # XXXX ) on XX/XX/XXXX, I identified the four ( 4 ) accounts in the attachment that Equifax mistakenly removed from my credit report, and I provided justification requesting to have them re-inserted. In a response from Equifax on XX/XX/XXXX, they stated to hope to resolve my concerns. As of XX/XX/XXXX, Equifax have not resolved this matter to the fullest by re-inserting all of the requested accounts in the attachment. Equifax only re-inserted XXXX XXXX  with three ( 3 ) other accounts in the attachment being ignored. I am demanding that Equifax re-insert XXXX XXXX XXXX  XXXX, XXXX/XXXX, and XXXX XXXX XXXX  Financial. By not re-inserting the accounts in question is a total violation of the FCRA, 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed A XXXX  XXXX Bankruptcy back on the XXXX of XX/XX/2020 due to hard times In my personal life. I contacted The XXXX credit reporting agencies after seeing My credit consumer report still reporting as tho if Never filed. This has been going on for over 2 years. Since then it has caused me and my opportunities to receive loans to help me rebuild my credit consumer profile. The same went for disputing inquiries that I did not authorize. 

Transunion or XXXX has yet to fix my Credit report resulting in more hardships when trying to apply for new credit to help re established my credit after My bankruptcies discharge.

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time Bank of America continues to tell XXXX, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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 2023-10-28
Company: EQUIFAX, INC.
State: HI
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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WIRE TRANSFER via REMITLY.COM ( for accommodations booked on XXXX  through a company called XXXX to a " apartment owner '' called XXXX XXXX with a bank account at XXXX XXXXXXXX XXXX XXXX. ) : XXXX : None of the information below is my personal information. It is information related to the party who committed the fraud. 

WIRE TRANSFER 1 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXXXXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 2 Company : Remitly.com Date : XXXX Amount : {$3000.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 3 Company : Remitly.com Date : XX/XX/ Amount : {$850.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX WIRE TRANSFER 4 Company : Remitly.com Date : XXXX  Amount : {$93.00} Recipient : XXXX XXXX XXXX Bank : XXXX XXXX, XXXX XXXX 
Routing # : XXXX XXXX Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Helbing Law Group
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I am assisting XXXX XXXX. XXXX XXXX 's only source of income is XXXX. Despite her very limited income, which is exempt from collection, Helbing Law Group induced her to sign up for its debt settlement services. She agreed to pay Helbing Law Group {$7300.00} from XX/XX/XXXX to XX/XX/XXXX to settle XXXX debts totaling approximately {$10000.00}. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX paid Helbing Law Group a total of {$7600.00}. On XX/XX/XXXX, there appears to have been an additional payment of {$3000.00}, which XXXX XXXX never authorized. 

XXXX XXXX would like the additional {$3000.00} payment to be returned. She would also like written confirmation of which debts have been settled in full, as well as a refund for all fees corresponding to debts that were not settled in full. 

I have tried contacting Helbing Law Group on several occasions, but they have refused to speak with me, despite receiving oral and written permission from XXXX XXXX. 
Please copy me on all communications.

Company response to consumer: Closed with explanation