BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: LA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an issue with my credit report that I believe requires immediate attention as it is affecting my creditworthiness and financial standing. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, it is mandated that the information in credit reports should be accurate and complete. 

Upon reviewing my credit report, I noticed that there were two late payments reported on my account. However, I would like to emphasize that these late payments were inaccurately listed. As a responsible consumer, I have always ensured timely payments on all my accounts. The information provided in my credit report does not reflect my accurate payment history, and this discrepancy is causing significant harm to my credit score and overall financial well-being. 

I kindly request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible. I have enclosed copies of relevant documents, such as my payment receipts and statements, to support my claim and verify my payment history. I believe that a thorough review of this evidence will confirm the inaccuracies in the late payment listings on my account. 

I am confident that your prompt attention to this matter will result in the removal of the erroneous information from my credit report, thereby restoring my creditworthiness to its accurate state. I appreciate your cooperation and understanding in resolving this issue. 

Please inform me in writing of the actions taken to investigate and rectify this matter. You can reach me at the phone number or email address provided above if you require any further information. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Let me raise a concern about the discovery of unreliable information within my credit report, as a careful examination has revealed certain inaccuracies capable of negatively impacting the credit score. 

Understanding the importance of consumer rights, it is essential for this concern to be addressed transparently and justly. My wish is to resolve this matter without resorting to more extreme measures. 

Your prompt attention to this matter would be highly appreciated. Please look at this as a sincere appeal from a client asking you to address the situation. Errors in credit reporting are not a simple problem, as they can significantly hurt an individual 's financial future. 

Mistakes are inevitable, yet when they occur, they can be harmful. Trust is placed in credit reporting agencies as credible and precise information providers. The violation of this trust is a concern with extensive implications. 

Consequently, it is hoped that this issue can be quickly and satisfactorily resolved, both for the personal benefit and the preservation of a dependable credit reporting system for all customers. 

Your time and anticipated cooperation are greatly appreciated. Eagerly awaiting a swift resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom It May Concern, I am writing to assert my formal dispute concerning the dissemination of inaccurate information to XXXX, subsequently appearing on my credit report. The impugned information pertains to an individual bearing the identical name, XXXX XXXX. It is imperative to elucidate that this association does not accurately correspond to my legal identity, and I unequivocally disavow any affiliation with the appellation XXXX XXXX. My disavowal is substantiated through the rigorous verification of my legal identity via official documents, including, but not limited to, my valid driver 's license, unimpeachable birth certificate, and authenticated social security card. These irrefutable documents collectively corroborate my legal nomenclature as not being XXXX XXXX. This egregious inconsistency contravenes the stipulations of the Fair Credit Reporting Act ( FCRA ). 
The erroneous entries subject to this dispute are delineated as follows : Account Name : XXXX XXXX Account Number : XXXX Pursuant to the FCRA, and more specifically 15 U.S. Code 1681e, it is unequivocally enunciated that " no person shall ... 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 '' ( 15 U.S.C. 1681e ( e ) ). It is palpable that the information concomitant to the aforementioned accounts is patently inaccurate and manifestly incongruent with my authentic financial profile. 
I stand prepared and willing to facilitate the prompt resolution of this grievance by providing verification of my identity through a secure and established channel. However, I must emphatically assert my reluctance to disseminate, electronically or otherwise, confidential documents containing my personal identity due to well-founded concerns regarding privacy and information security. This issue carries considerable gravity as it has given rise to an onerous predicament in which my credit report accommodates extraneous entries that hold no nexus with my financial history. This incongruity has precipitated not only severe pecuniary ramifications but has also precipitated impediments in securing approvals for essential financial endeavors, notably my aspiration to procure a residence. 
It is incumbent upon me to accentuate that should the aforesaid discrepancy persist unabated, I shall be compelled to assert my rights as a consumer with resolute determination. I am fully cognizant of the statutory prerogatives that enshrine my entitlement to an accurate and unblemished credit report, and I shall not hesitate to avail myself of the remedies and recourses at my disposal.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, XXXX and Equifax to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX 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 XXXXXXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 must admit it finds me far from pleased. My recent perusal of my XXXX, XXXX, and XXXX credit reports has revealed some rather distressing discrepancies. It appears that certain transactions have been posted on my credit report, which I firmly believe contravene federal laws designed to safeguard the accuracy and fairness of consumer reports. 

It is my contention that your company 's actions in this regard constitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance. 
Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' This, in my understanding, blatantly runs afoul of the aforementioned FCRA provision, as these transactions exclusively involve interactions between myself and your corporation. 
In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns.

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 2023-10-11
Company: ALLY FINANCIAL INC.
State: NJ
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 FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I have been attempting to remove PMI from my mortgage. In XXXX of 2023 I inquired about the process with my mortgage company, Freedom Mortgage. I was instructed that I was eligible to remove PMI from my mortgage as I had met the minimum requirement of 20 % equity in my home. I mailed out a check on XX/XX/XXXX to cover the BPO fee. The check was cashed in XXXX, but Freedom Mortgage did not remove PMI. After making several calls to their customer service I was assured that it would be removed starting XX/XX/XXXX. In XXXX I was sent a letter informing me my loan was being sold to XXXX XXXX. Freedom Mortgage intentionally did not begin the process of removing PMI as they knew the loan was being transferred. And now I have to restart the process with my new loan company, all while continuing to pay PMI in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Obviously banks use and or consider credit cards that they issue ( used or unused ) as an asset. Closing an account, does not stop this bank in particular, from issuing another credit card ( unwanted and un-requested ) to a prior customer even though said customer closed the account and specifically stated that they did not want another credit card issued in their name. I have previously had a credit card issued under these circumstances then be used a year later and the credit card company sent me the bill. It took six months for them to finally determine that the charges were fraudulent and not my responsibility. 

When the customer calls to complain they state " that the card is inactive, and that they will cancel THAT card '' but they will not say that the account is permanently closed and then as I said a year later issue a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Account status incorrect

Complaint:
XXXX XXXX Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my XXXX XXXX credit card. XXXX XXXX erroneously reported this balance owed to Equifax. XXXX XXXX also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX Bank. XXXX XXXX also failed to apply for payments from a secondary third credit card I had paid off to the XXXX XXXX credit card account in question ending in XXXX. XXXX XXXX instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. XX/XX/XXXX utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The XX/XX/XXXX statements were demanding that payments be forwarded on the XXXX day of each month while XX/XX/XXXX emails demanded payments to be made on the XXXX of each month, and XX/XX/XXXX failed to thoroughly and professionally investigate my complaints regarding this disparity.

Company response to consumer: Closed with explanation