BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: IL
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 reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX funding sent a letter of validation with no response account XXXX. 
2.XXXX XXXX XXXX account XXXX XXXX XXXX 3. XXXX XXXX  account XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2021, I log into my equifax.com account to pull my credit report and the report was blank. all my information and accounts are gone. I contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021 to get assistance to gain access to my credit report. i called multiple times on each day listed. i have even sent letters requesting a hard copy of my credit report. every agent told me they would escalate the issue to their " escalation department '' and it would take 7-10 days and they would send me a email. well it has been 2 months later and I have yet to here anything from anyone. and my credit report is still blank and i have not received on by mail. no one at the company will help, i have had agents hang up on me, and be completely rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Private student loan
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. FL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Frontline Asset Strategies, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 - I sent a letter to Frontline Asset Strategies requesting VALIDATION of the debt that is appearing on my credit report. On XX/XX/2022, I received a letter dated XX/XX/2022 which contained a XXXX page front/back bill from XXXX in the amount of {$1300.00} dated XX/XX/2022. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor have they been able to provide any validation of the debt. 

Below is the exact verbiage of the letter that I sent to Frontline Asset Strategies : My credit report shows a collection from your agency. I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out a form for info about Cross Country Mortgage. I received a call advising of services offered. I decided not to move forward with their products and requested to be placed on their " do not call list ''. The company calls every day from a different number. Each time I answer the call and ask not to be called any more. I also block the number. They keep calling daily from a different number, in violation of my my multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX, so I filed a dispute against XXXX XXXX on XX/XX/XXXX. I filed the dispute because I received the wrong order of groceries, and XXXX acknowledges that I received the wrong groceries!! They tell me to go dispute the transaction and so I did. The dispute number is XXXX. Okay, so I contacted chime to day, and I received a interesting email 9 days into the dispute! Chime tells me the dispute is closed and denied!! Im checking and the dispute is still open, but its denied! I contacted chime thru phone and they its open, but Im told the dispute is denied. As a chime customer this is saddening, and frustrating because I dont know if theyre actually trying to help me get my money back!! Im not in the wrong here, XXXX made a mistake, and I go to chime, and it seems theyre not willing to fight this charge and get my money back!! This is an unappreciated and discouraging experience!! I expected better from the bank I put my money and my trust into!! Ultimately, I need chime to get my money back!! I dont need to be screwed over!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid for a year in advance for garbage disposal from XXXX XXXX, their service was horrible so after a year I did not renew. They came and got the garbage cans. They are now demanding more money {$120.00} and have turned this or to Caine and Weiner. who are harassing me. I paid XXXX XXXX in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made purchases using my PayPal account. Each purchase is zero percent financing if paid off in a certain time frame. I have always made sure that the payments are made to continue the zero percent offer. Most times the offer is for 6 months. My last 4 purchases were for longer periods of time. In XXXX, PayPal started taking my payments and putting them on the purchases with the longer time to pay instead of putting them on the purchases that were coming due. I contacted PayPal. They are looking into getting it corrected. I am hopeful that they will. I am filing this complaint because they claimed it was a computer issue. If the computer did this to me, then it is doing it to other people as well. I felt that since you are consumer protection, you could do something about this.

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: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I use chime bank. On XX/XX/XXXX, my debit card was charged {$270.00} from XXXX, after investigating it appears that the transaction was placed in XXXX arkansas and I live in Texas so this was clearly fraud. After more investigating, it seems as if someone hacked into my XXXX account and used my debit card which was already on file to make the purchase. These products were for women such as hair dye and women 's supplements but I am a man and have no use for these things. I promptly closed my XXXX account due to fraud and contacted my bank to explain the situation. After a few weeks, chime bank came back with a decision to reject my claim on the premise that " no error was made ''. After the rejection, I resubmitted the claim but it got rejected again, I contacted XXXX management and they told me since I closed my XXXX account, they can not provide a refund but to contact my bank, they also told me that my bank should have accepted my claim because it was fraud. The vendor is on my side but are unable to do anything about it because I voluntarily closed my XXXX account. Now I'm stuck and need help from an outside agency as I have exhausted my options. It is clear that this is a case of fraud and I'd like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: IL
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 XXXX, XXXX XXXX XXXX, XXXX XXXX BANK 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 2023-07-13
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with PayPal a couple of months ago and used it to pay for my XXXX order and XXXX and XXXX rides. It had been open for a couple of months before I received a payment from my friend 's dad for a tool he bought from me. All of a sudden when I have {$550.00} in my account PayPal decides to permanently limit m account and hold my money for 6 months. Pretty convenient that the second I get a large sum of money in my account they permanently limit it. Sounds pretty suspicious. What they do this for is to hold your money so they can make the interest off of it for the months then they .may or may not give you your money back. They do this with thousands of people every year. I did nothing wrong. I was waiting for my 21 day hold to end and about 3 or 4 days before I could've pulled my money out they limit my account. Now my identity was confirmed, I actually confirmed it twice because they asked me to. I provided them with everything they asked for and they still limited it. I hadn't even use my PayPal account since I received the money from my friend 's dad. So I'd love to know what I could have possibly done wrong. I need my money for my XXXX. Without them my XXXX and XXXX XXXX will go XXXX. They'd been sued several times for this so I don't see how they can continue to do this. I want myr money now. Please do something about these shady business practices. And please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX, XXXX XXXX XXXX, XXXX XXXX BANK 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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Account was opened fraudulently

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 2022-12-05
Company: Experian Information Solutions Inc.
State: DC
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:
On XXXX XXXX I submitted complaint to XXXX XXXX, Experian And XXXX to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : OXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate , comment section is inaccurate , high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.

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 2022-04-19
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My last payment was in XX/XX/XXXX. I have struggling throughout the pandemic and am on the brink of homelessness. I called to see if I could pause payments for 6 months and get a forbearance to bring my account current ( XXXX past due ). After being transferred around to three different reps asking the same questions and also asking for private information not related to the loan. Ex. If I have any interviews scheduled. Sallie Mae rep stated the only option I had was to pay. I have no money. I am about to be living in my car. Sallie Mae then stated again I have to pay. I stated again I have {$0.00}. They said there were no other options. I asked them what would happen with this loan if I died, since my XXXX father cosigned- if they would come after him. The rep stated that the loan would be written off. I replied with " I guess there's not No Options then '' and hung up. 

Sallie Mae called the local police to go out to my home and harass my XXXX father and myself at XXXX at night under the guise of a " wellness check '' The police demanded entry to my home and grabbed the security door knob twice trying to enter. The officer said that " she called and said you told her you were going to kill yourself '' which is a blatant lie. Sallie Mae rep called and lied to the local pd. Who not only attempted to enter my home, harassed my XXXX father and had their hands on their guns the entire time. Luckily, I know my rights and they left without incident. 

They stated the phone call was recorded so there's a record with them. I didn't record it myself but will be recording everything from them going forward. 

Orginal loan amount : XXXX Original disbursement date : XXXX Repayment since XXXX Current balance : {$8500.00} 86 days past due Last payment received : XX/XX/XXXX Amount of last payment : {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Umpqua Bank XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} reported to collection agency ( XXXX XXXX  ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies.

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX of 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 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and Experian as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks

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 2022-04-19
Company: EQUIFAX, INC.
State: GA
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:
Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to Equifax and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00}.

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