BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX SERVICES They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments

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 2022-06-01
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: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX & XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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

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 2020-02-17
Company: Experian Information Solutions 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:
Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.

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 2023-03-17
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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed 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 explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Chase XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I will be staying in XXXX 's more often and I believe is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of id thief due to exquifax 's data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX XXXX XXXX also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company FOX COLLECTION CENTER , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FOX COLLECTION CENTER the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: SC
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:
To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. 

They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? 
Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. 

Again I received no communications from XXXX to its day. No reasons given as to why they closed my account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Upgrade, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I clicked on an offer via XXXX with the stated terms : Earn a {$400.00} bonus on your Upgrade card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.

Also : To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade card must be in good standing to receive bonus. 
On XX/XX/2022 I applied for this offer and the accounts were opened soon after. On XX/XX/2022 I funded the Upgrade Rewards Checking account. On XX/XX/2022, I made 3 debit card transactions from my Upgrade Rewards Checking account. I repeated the funding steps and 3 debits again at the end of XXXX ( not required ) to be certain the terms were again met. As of today XX/XX/2022, I have not received the {$400.00} bonus. After calling several times over the past weeks, I was assured that I had met the terms of the offer but that I needed to wait until 1 then 2 billing cycles have passed. On XX/XX/2022, I called again and was told that the Rewards Checking account " does not have billing cycles '' and that I will need to make purchases using my Upgrade Card ( line of credit ) in order to receive the {$400.00} bonus some time within 1-2 billing cycles of making 3 debit transactions on that card. NOWHERE in the terms of the offer does it mention using the Upgrade Card to satisfy the terms of this offer. I asked for a supervisor and was told that someone would call me back within 24-48 hours. I never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Local Data Recovery, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On Friday, XX/XX/2018 a woman named XXXX XXXX ( Local Data Recovery/XXXX XXXX, not sure which one she works for she says one thing and then it shows on my bank as another name ) contacted my mother and told her that her company was going to be filing a legal suit against me for defrauding a bank and that if I didn't contact her by XXXX she was going downtown. My mom texted me her number, and I called. She was calling to collect on a valid account I do owe, she told me the sum was $ 900+ dollars and they were willing to settle, however if I didn't pay ASAP she would be going downtown. I paid {$190.00} on Friday and agreed to pay another {$190.00} in a couple weeks. On Sunday I decided to run my credit report, because I regularly run my report because I'm trying to fix my credit to buy my mom and me a house. Over the summer I had talked to another company, XXXX XXXX, about the same account for XXXX XXXX, and I know debt companies often sell the debt to other companies, but the company I talked to over the summer was still reporting the account, and I thought that was odd. I called them on Monday and asked them if they'd sold my debt to another company and they told me no, that in fact it was still valid with them and that XXXX might have been running a scam. I canceled my debit card to make sure that no money would be taken out without my permission, especially if this was a scam -- which I believe it to be. I called them Monday ( XXXX-18/yesterday ) and spent an hour on the phone with them, trying to figure out why they were reporting the same account for almost triple the amount, the woman was rude telling me that companies buy and sell debt all the time, which I already knew. I mentioned to her that I believe her company to be a possible scam and she replied 'a scam is something you don't know about, you know about this debt '. I would like this company to stop all further contact with me and refund the money they stole. My bank is already disputing the transaction with the company to refund my money. I find it unbelievable that two companies would report two the exact same debt at different amounts. I've never been in this situation so I really have no idea what to do. 

I do have a document I signed, however I am unable to currently attach it ( using my work computer to submit this and we can't use XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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:
Experian failed to remove the fraudulently furnished information on my credit report after receiving proof of resolution via CFPB case # XXXX by XXXX XXXX. Which stated the company agreed to have this line of credit completely removed off my credit report of as XX/XX/2022. As a result of Experian 's refusal to remove this charge off, I have reasonable cause to believe Experian is purposely restraining trade of commerce by ruining my consumer reputation and financially benefitting from trading my personal information without my 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 non-monetary relief
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX   XXXX  - Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX******** Creditor : XXXX/XXXX  XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay this creditor.

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 2023-08-17
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My fianc, who lives with me and has XXXX kids with me, transferred {$500.00} to my account on XX/XX/2023, and Chime " flagged '' that as suspicious and suspended my account. They demanded i provide pictures of my ID, social security card, and proof of income over the last 3 month period, as well as proof that my fiance owned her account, and that she intended to send it to me. After XXXX weeks of emails ( no phone number is available for the " XXXX '' team, nor would any of them contact me to figure out what more they could want from me ), i provided every document they requested, and instead of restoring my account, they closed it entirely on XX/XX/2023, and claimed my funds ( {$1200.00} ) was not eligible for a refund because I did not provide enough " proof of ownership ''. I provided everything they asked for, called support regularly to check the investigation status, and tried to figure out if i could send any more documents to help make the process easier, and still they illegally took my money saying i violated Chime policies, but never stated what policy. I have countless emails i can provide for review, and call logs to show how persistent i was.

Company response to consumer: Closed with explanation