BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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:
When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: MA
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 disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report XXXX XXXX is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also XXXX XXXX is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )

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 2023-10-04
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, Equifax, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My email was used to set up a chime account. I called them and told them money was being sent to someone. And that I did not set up a chime account. I was assured it would be fixed and my email would be removed. 
I am getting another email that another account is being set up under my XXXX. so they have not fixed this issue. I do not want to be responsible for paying back money I did not transfer. 
I can not believe this company does not verify emails belonging to people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have my Best Buy Store Credit Card Serviced by Citibank. I have had this card for more than 3 years and I have always had my automatic payments set up so I never miss a payment. This payment method has helped me keep an excellent record with all my credit cards and as of today I have a 100 % on-time payment history with all credit reporting bureaus. I have never missed a payment or paid late. On XX/XX/2022 I received an email from Best Buy/ Citibank telling me that I missed a payment and that I had a payment due. When I called the company they told me that my automatic payment was cancelled, something that I NEVER DID. They told me that there was anything they could do. As per as Supervisor my Automatic Payment was cancelled online, something that I never did, neither would I try to do so. No one other than me has access to my account online. I have no record that my automatic payment was cancelled, I never received and email or a phone call to let me know that my automatic payment was cancelled. This is an outrageous and irresponsible way to treat a customer. Now I have to pay the consequences of a malpractice that I was not responsible for. My credit history is impeccable. This action by y the company will damage my credit reputation when I do not deserve it.

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 monetary relief
Consumer complaint received 2020-01-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in to ask about the Forbearance process back in XX/XX/XXXX due to the hurricane that just hit and caused me to lose my job. I was told that the Forbearance had to be granted due to the circumstances and that I would get a 3 month break from my mortgage payment with no affect on my credit or payment history. I was also advised that the loan itself would not need to be changed and that the 3 payments would just be added to the end of the loan. All I needed to do was start to make my payments again after the 3 months. It turns out that was not accurate. A few months after I started making on-time payments as I was scheduled, I started to receive phone calls and letters asking me to either pay the full amount of the 3 months that were missed or I had to refinance my entire loan. After several months of back and forth and them continuously giving me bad advise and information about how things worked I just tried to take my loan elsewhere. However, since they stopped reporting to credit due to the situation, nobody would allow me to get a new loan on the home. So I was stuck with Cardinal Financial and had to jump through a thousand hoops to get the refinance done that never should have been needed in the first place according to the call I had originally made about the forbearance. Now that the refi has been completed, they are reporting to credit that I was more than 90 past due on a few payments and it is having a drastic affect on my credit score. I was told numerous times that once the refi had been completed the credit would  reflect no past due payments and it would look as if none of it ever happened. I have been trying to get this issue resolved with my credit since XX/XX/XXXX and I can't seem to get anybody to respond to my emails. When I call, I'm told I can't speak directly to that department and I just have to wait for them. I'm tired of waiting for them. Its been over 2 years I've been dealing with this all because I was misinformed from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according ************* you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ** **** Code ******* - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. Landlord took us to court for a false eviction as lease was up in XXXX XXXX. Left the property two days before lease completion. Court case was dismissed. 

I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, XX/XX/XXXX. Never received any written validation from the company in regards to the debit they are trying to collect. 

Company is stating they sent notices on XX/XX/XXXX and XX/XX/XXXX but no written notices have been received since XXXX, XXXX. I had to call the company on XX/XX/XXXX to asks for an email to send the court order showing case had been dismissed.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this complaint to TransUnion. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction

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 2022-11-16
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After being alerted by XXXX about a collections on my credit report, I called AMSHERE COLLECTION SERVICE at XXXX XXXX on XX/XX/2022 lasting for 11 minutes. Upon being directed to the XXXX department I was greeted by one of their representatives. I did not assume any direct responsibility for the debt but simply asked for information concerning the debt and if there was a pay for delete option. After, the representative said they did not offer such services I said I would need to think about it and call back. Part of the reason being I was not entirely sure about the details of the debt but considered paying in order to save my credit. The representative said to wait a minute and a second later, a man started speaking, and announced himself as the manager over-watching the trainees callhe did not announce his full name. Following this, he began to speak in a very aggressive tone and stated that the only reason I considered paying was because it was impacting my credit and that if I cared about my credit in his opinion and years of experience the best way to settle this was to not allow a bad matter get worse. If I were not to pay this now it it would have a detrimental impact on my credit. The quote mentioned above is almost verbatim what he said. If anyone were to review the call they will find that not only did he use an aggressive tone ( and I dont use that adjective easily ), he would not allow me to even get a single word out to explain the situation that the debt might not be mine. If I said any words he would just continue to shout above my voice and say that in his opinion, in order to prevent further harmful damage to my credit I should pay the debt that is owed and that once referred to as a settled account this will be better for my credit. The man continued to use an aggressive tone with me and I said that threatening me with credit repercussions and doing so in the aggressive tone of voice would not illicit a potentially invalid payment from me. After hearing my dispute he said regardless of your reaction of shock regarding the collection, the facts are the facts and this debt is yours. I said I did not want to continue this conversation and he said you can hang up now if thats the case. Afterwards I called back Amshere Collections XXXX  department at XXXX XXXX, lasting 3 minutes, to collect the mans full name to file a complaint. His name is XXXX XXXX. I had no issues with the initial representative because she was kind and respectful. A simple review of the recorded phone call will certify my complaint. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: JPMORGAN CHASE & CO.
State: NV
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: Problem with personal statement of dispute

Complaint:
Issue with Chase Bank XXXX Credit Card XXXX Unfair credit reporting / Unclear communications regarding status of fraud dispute / Unpleasant interactions with customer service when attempting to resolve : XX/XX/XXXX - Fraud charge on credit card account - {$21.00} XX/XX/XXXX - Receive potential fraud alert from Chase. Confirm fraud and receive message that card is now locked. 
XX/XX/XXXX - XXXX XXXX  charge on credit card account made from TV ( not sure how this went through on a locked card but it seems to have processed ; Unsure at the time if this was real or fraud ) - {$3.00} XX/XX/XXXX - Late Fee incurred- {$28.00} XX/XX/XXXX - Interest charged- {$2.00} Exact Date Unknown - Call Chase regarding fraud and locked card. Assured they received my initial response and " everything is already taken care of '' XXXX XXXX XXXX - Late Fee incurred- {$39.00} XXXX XXXX XXXX - Interest charged- {$3.00} Exact Date Unknown - Call Chase again inquiring as to why I am being charged late fees on a locked card with active fraud charges. Told " it's only going to hurt you if you don't pay us the balance '' ( complete change in tone and message from previous call ). 
*Sometime after XXXX XXXX XXXX, transaction is dated XX/XX/XXXX on my statement - Original fraud charge of {$21.00} reversed. 
*Sometime after XXXX XXXX XXXX, transaction is dated XXXX XXXX XXXX on my statement- Late Fee of {$39.00} reversed. 
XXXX XXXX XXXX - 2x Interest charges reversed - {$0.00} and {$0.00} Summary : Original Fraud - {$21.00} ( fully reversed XXXX  months after initial charge, took XXXX  fraud alert confirmation and XXXX  phone calls prior to reversal ) Real Charge - {$3.00} ( Unsure, at the time if this was real or fraud ) Late Fees and Interest - {$72.00} total ( {$39.00} reversed ) Learned Chase had reported a late payment to my credit report associated with the lack of payment for XXXX  while the fraud charges were being disputed. 

XX/XX/XXXX- Told these reports are accurate and can not be reversed due to the {$3.00} charge that was made from a TV after the fraud alert was confirmed and the card was locked. Cancelled Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I contacted Apple on XX/XX/23 to conduct a dispute that happened on my old device that my ex used due to me not having access to my other phone that I ended up losing in XXXX, I didnt have access to my banking my XXXX my emails nothing, so I was unaware to see what was taking place. I reported it and they opened a claimed and actually closed the claimed and provided my refund. Now the issue is my XXXX is now locked for suspicious activity, Ive never done anything suspicious and the last person I sent {$20.00} to was my sister and it triggered my account to be locked. So my refund went to a locked account and theyre telling me I cant get it back and that my account is locked indefinitely and I just feel so robbed and lost because I have no idea why they would do that and feel comfortable doing that, I wouldve complied to anything they asked me to do in regards of my account but to completely kick me off without explanation and then keep my money is overly insane, Real life banks doesnt even do that. Hopefully theres something you guys can do to get this done I was referred here by some people in a group chat that said yall were successful in reaching out to Apple to get this done so Id appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Certegy Holdings, LLC
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We issued a check in the amount of {$80.00} to pay for gas at a local gas station that uses a service provided by Certegy to verify the validity of checks. The check was refused by Certegy and we were given a code number ( 2 ) and phone number ( XXXX ) to call to get information as to the reason why. When we called the number supplied, the customer service rep could not explain why the check was denied, only stating that there were three reasons but that they could not give us any information on those reasons. I requested a review of the denial and correction of any incorrect information that may have led to the denial, but the customer service rep stated that there could not be any review or correction once an account was denied, and that there was no way to file an appeal. I went to Certegy 's website and could not find any information as to how to review a denial or correct incorrect information that may have led to the denial. We have had this checking account for over 50 years and have NEVER issued a bad a check. Our bank is able to confirm that there are adequate funds in our account to cover the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit 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, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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