BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Account status incorrect

Complaint:
On XX/XX/XXXX I pad XXXX  the full balance of my credit card which was {$1100.00}. TransUnion refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am opening this dispute because Transunion has reported the same debt more than once with only a change of name the first time reporting a XXXX XXXX credit card as closed/charged off in XXXX  and then, XXXX years on XXXX XXXX XXXX posting an update on the same charged off account. 
My understanding is that it is against the law for the credit reporting agency to post and drop your score for the same debt more than once. If that were, in fact allowed, the same creditor could keep reporting, or updating the same debt every month for 7 years, never allowing a credit score to recover for that period of time, plus the additional XXXX to XXXX  years that it takes a score to go up, even when paying every bill on time and keeping credit utilization below 30 %. 
Given that with a low credit score one can not rent an apartment, get an auto loan to buy a car to get to work, pay more for everything from car insurance to numerous other things that are connected to your credit score, this is incredibly harmful to consumers. I almost ended up homeless due to landlords refusing to even consider someone with a credit score below a certain number. Fortunately, I found someplace to live on a temporary basis but will soon run into the same problem. 
I am sure there are thousands, if not hundreds of thousands, of people that have found themselves in this same situation. 
So, I have either had the same charge illegally put on my credit report a second time, causing it to drop by XXXX points, or this law that allows that to happen needs to be changed. 
I request that the recent update be removed and my score reverted to what it was before the update.

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 2022-09-19
Company: Uplift, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company refused to remove the other traveler 's payment when they could not attend the trip. They can see on their end that only one traveler checked into the airport and one person into the resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I brought XXXX XXXX XXXX  Prepaid Visa Gift Card for my sister on her birthday in the amount of {$250.00} on XX/XX/2022 at XXXX EST. I attempted 3 times to make an online purchase with XXXXXXXX  for XXXX $ and the card declined all 3 times. So we decided to call customer support number on the back of the card only to find out the reason the card declined was because the card was compromised! The representative immediately admitted that the card was compromised and stated in order for me to dispute the transaction is to wait 7 business days for the transaction to post. I was so angry and confused at the same time! How XXXX did y'all let this happened??? Why do I have to wait 7 business days to dispute a transaction that was not made by me?? The card was hacked and used in XXXX XXXX New York while still in my possession in XXXX I spoke with about 11 representatives from XXXX XXXXIncomm and every single last one of them were useless! Oh & was hung up on by 3 of them named XXXX, XXXX and XXXX! Too be honest with you I'm starting to feel it's the people from the company hacking the cards. But I also spoken with someone named XXXX whom was very helpful and he did inform me once the transaction post to the card they will investigate, dispute then I will have to fill out a dispute form then send it back to them. He also mentioned a replacement card will be send out which I declined immediately. WHY WOULD I WANT A REPLACEMENT CARD, only to get hacked again? I do not want a replacement card send me a check instead & I do not understand why I have to wait at all for the transaction to post either, this burden is on y'all not me! So send me my check now! You would think XXXX XXXX the CEO, Founder and President of Incomm make more then enough to hire a tight security to protect the customers and users account information! Moiving forward I will never buy another gift card and I will be complaining to the XXXX  & my Attorney of General for Pennsylvania & Georgia! I will be contacting the bank affiliate XXXX XXXX as well along with XXXX, XXXX XXXX XXXX XXXX and the other 14 companies the cards can be brought at to warn them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: SC
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:
1.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 : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged 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 explanation
Consumer complaint received 2023-08-11
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:
Experian XXXX XXXX XXXX XXXX is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX account. 

In detail, Experian has : - Included my entire transaction history with XXXX XXXX XXXX  on my credit report dated [ date ], such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  as the furnisher. 

- Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Experian can only provide my report with my written instructions. I did not provide such instructions. 

- Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

- Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

- Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Experian claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 

In summary, Experian has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Experian and take appropriate enforcement action to stop these violations. I will also be filing a complaint with the FTC regard Experian 's illegal activities. I also request compensation for damages caused by Experian illegally accessing and furnishing my private data without consent.

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 2022-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not know, my fault, that they charge late fee for not paying the full payment. 

Payment Due Date XX/XX/XXXX Minimum Payment Due {$29.00} Payments - {$25.00} Amount Past Due {$4.00} XX/XX/XXXX LATE FEE {$15.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$33.00} Payments - {$25.00} Amount Past Due {$8.00} XX/XX/XXXX LATE FEE {$33.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$44.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX Return - {$32.00} XXXX Payments - {$25.00} Their late fees have risen unbelievably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly from my credit report.

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 2023-09-24
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They froze my account but let withdrawls go through and then closed my second account with funds in it to pay for the other account but never got ahold of me, sent a check then reversed it, and because they allowed funds to be tooken from a frozen account they are liable for said funds, and I've still never heard from them. They have casued such a terrible experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
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 checked again 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 correction due to inaccurate reporting in my file. 
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

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 2022-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX ) XX/XX/XXXX Credit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXXXX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX  accounts number XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Will not resolve my dispute of unauthorized charges been hung up on treated disrespectfully after getting my card and my phone stolen from me they will not ohner there terms

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: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company failed to provide us with our 1098 tax forms on time. When I called they said they failed to generate one for us. They told us the execution date would be XX/XX/2022 for that form. We still have not received our tax forms. We have had to file an extension due to this. I have included a photo on the most recent date of log in to our mortgage company showing we still do not show any tax documents being generated. 

The company is Flagstar Bank.

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 2022-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries in my Equifax and XXXX credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX Equifax

Company response to consumer: Closed with explanation