BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
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:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}

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
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX   XXXX {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I sent them XXXX XXXX I sent them XXXX XXXX I sent them XXXX I tried to request a refund with cash app but they couldnt do it and they said try to request your money back from them but I cant they scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX Account # 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 2023-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiry XXXX XX/XX/2023 was not authorize by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Capital Alliance Financial, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Chime Financial Inc
State: NC
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:
Chime unauthorized XXXX transactions for a XXXX sock manufacture in XXXX XXXX. They did not report this suspicious behavior and let them overdraft my account. I called to try to get a credit and because the transactions were pending they said I would have to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Bank of America has failed to close my Home Equity Line of Credit per my request in a timely manner. I have called several times and have been on the phone for 0ver 8 hours. On Tuesday, after being on the phone for 5 hours waiting to speak to someone, I was able to speak to XXXX and he assured me that my HELOC would be closed in no later than 48 hours. Yesterday, after being on the phone for over 2 hours, I was able to speak to  XXXX in XXXX and she informed me that my HELOC was in process to be closed yesterday by XXXX XXXX  and it would be reflected no later than midnight. I asked to wait on the line ( 30 additional minutes ) until XXXX XXXX  to make sure that the HELOC was closed but the phone got disconnected and I did not receive a call back. Today at midnight and this morning I checked my online banking and the HELOC is still showing active and has not been closed. I ask that Bank of America please close this account immediately.

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 2019-06-27
Company: Big Picture Loans, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from a debt collector called XXXX XXXX saying I owed a debt for a loan. They said I had an online payday loan with Castle Payday ( now called BigPictureLoans ). 

I do not recall opening this loan and the account it was connected to is an old bank account that was closed. I also looked up XXXX XXXX and did not find information on a debt collector under their name. I called back and asked if they had a website and they said it was XXXX which is a simple site with very little information on the company and just their phone number. When I looked up the address listed on their website, it said it was the address of the United States Postal Services. I am wondering if this company is legit and if they are authorized to collect debt. They do not even have an official address. I would like to see their license number. 

They said I had to make a payment or I would be sued. They said they tried to collect money from my previous job. They did say they would send me verification of the Castle loan account by email, but I never received an email with verification from them. 

XXXX XXXX could not verify the date the account was opened which makes me think they do not have proper information about this account. They had my old email address on file which I no longer have access to. When I entered my email on the loan website, it said nothing existed. 

When I called Big Picture Loans, they said I applied for a loan in the amount of {$1500.00} on XX/XX/18, but there was no current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was advised by several of Early Warning Services representatives that XXXX XXXX XXXX Account Number XXXX would be falling off my account after 5 years which was reached on XX/XX/XXXX but it has not Early Warning Services is account being overdrawn going back more than 10 years past the 7 years that they can go back. The report is showing inaccurate dates going back to XXXX. I would like Early Warning Service to provide with me with the criteria used to determine if the account will be held for 5 years or 7 years and also provide me with all methods used to verify that what is being reported is accurate as well as all original documents from XXXX XXXX XXXX. As well as all the recorded calls between me and your representative that have them stating that this account will no longer appear on my file after XX/XX/XXXX also provide all notes in my file. You can not report inaccurate information or items that are old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2023, Chime fraud dept contacted me stating my card was compromised in Florida, to a pay parking outfit for {$12.00}. The guy reset my account log in, gave me a temp password, and cancelled my ATM card, therefore sending me a new one, which took 10 days to get. I could not use my card until I reactivated it. 
Approximately, XX/XX/XXXX, I got my ATM card and activated it, but it wouldn't let me. 
I forgot to mention that from XX/XX/2023, to approx XX/XX/XXXX, I could not log into my account. I was shut out. I contacted Chime customer service over 27 times via email and several online even talking to a supervisor on the phone. Still without any resolution of logging in. I could have bill collectors take money out but I could not see into my account. This is irresponsible and absolutely ridiculous this bank has such disregard for their clients. 
Then again, the fraud department contacted me, not me contacting them about more fraud. They had the fraud dept contact me about a charge from XXXX for over {$230.00} for pharmacy in Texas? I'm on XXXX and my scripts are paid in grants pass, Oregon. Then I looked at my account because the fraud dept got me in my account immediately after waiting 3 weeks for customer service to do nothing. That is when I noticed {$880.00} in fraud charges. I think it was XX/XX/XXXX. I disputed the charges. They were all made in Texas or Florida. I live in Oregon. They were to XXXX XXXX XXXX, I'm a widow, do not have a sporting goods habit, XXXX which I don't go to, all in Texas. 
Now my bank says it is my fault and won't return my my money to me. I have not been able to get to my hard earned money for over a month. My ATM card was cancelled again, and I still have not received my new card. In a couple of days, my last Social Security widows check will be deposited and I'm fealful Chime will allow the check to be taken by fraudster. They don't seem to care about my money. 
This {$880.00} was earmarked for mortgage and credit card payments. 
What do I do now. My house is in bankruptcy and I depend on my money to survive. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: WELLS FARGO & COMPANY
State: AL
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 the Fair Credit Reporting Act WF/DILLARDS Acct XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-09
Company: SYNCHRONY FINANCIAL
State: NE
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:
Paypal Mastercard i added my debit card to the account to make payments on the bill itself.

I made a purchase which was to be from the Paypal mastercard but they charged my XXXX XXXX debit card and also billed me for it on the statement. 

I disputed the transaction and they denied it. I have called now 4 times and mostly have only the option to select from automated recordings. Which didnt provide any way to solve the problem. I was able to speak with customer service people twice now and the first time I was convinced they were going to help. I never heard back from them. The 2nd person told me if i have disputed it and been denied theres nothing they can do. 

I have the service purchased ( twice ) on XX/XX/2023 XXXX personal but do not need billed twice XXXX XXXX 

My paypal account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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