BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital one and XXXX XXXX reported late payments when they were XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement. 

To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed. 

XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed. 

Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX. 
Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you. 
Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX. 

My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email. 

XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation. 


I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/, I received a notification that I had made a XXXX payment to a person named XXXX. I did not make any such transaction. So, immediately, when I received this notification on my phone, I called Chase and reported fraud. Chase told me to file a claim so I did. On XX/XX/XXXX Chase returned the {$1200.00} to our bank account. They reversed the XXXX. Then on XX/XX/XXXX they took the {$1200.00} away from us. We called about this and they told us that the claim had been denied. They made a mistake and refunded our money- so they had to take it away. In the meantime, this led to our account being overdrawn and overdraft charges being incurred. They told us that the reason why the claim was denied was because it was a XXXX payment, and there was no proof that this was fraud- but we had called immediately to say that it was a fraud situation. They said there was no proof that anyone had access to our account. My wife, XXXX, told CHASE that she had her XXXX XXXX taken on an airplane over the summer. Also my phone was stolen about 10 years ago ( we had the same bank info ). They told us that they would resubmit the claim, and this time it should go through, but it was denied once again. Not only did we have {$1200.00} stolen, but everyone that we spoke to at Chase kept us on the phone for a very long time ( hours at some point ), and was unable to help us. It felt like we were being treated poorly because we were XXXX XXXX XXXXXXXX. So not only did we have a fraud situation, but then we had overdraft charges because Chase refunded the money and then took it away again. Im afraid that this affected our credit as well. We would like the {$1200.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  is charging me XXXX of which I have already paid XXXX. I am asking for an arrangement because I have lost my job and they send me a letter that my debt is now XXXX. I think it is not fair and I should seek help to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have recently re-established my credit back into excellent standing, so I check my credit report very often to make sure that all information is accurate and true. On XX/XX/2019, I received several emails from credit reporting providers stating that my credit file has been changed. A debt collection company under the name " Radius Global Solution '', reported to the credit bureaus that I owe a debt of {$180.00}. I do not owe any one anything and I do not know who this company is or what this debt is about. I did not receive any dunning letters nor did I receive any information regarding this debt. I did not have a chance to dispute this inaccurate information before it was just placed on my credit reports. This has dropped my scored tremendously. This is a complete violation of my rights. I want this account removed immediately from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Kriya Capital, LLC
State: AL
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 received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an 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 2017-06-20
Company: NAM National Arbitration and Mediation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-20
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 am disputing XXXX XXXX loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan ID : XXXX On XX/XX/2023 I requested a Buy now pay later loan from affirm in the amount of {$1700.00} to pay for a vacation rental through XXXXXXXX XXXX XXXX XXXX. On XX/XX/2023 XXXX charged {$890.00} in which affirm paid the other {$890.00} was due to be paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled those reservations in which XXXX refunded {$890.00} in which they charged which should have cancelled the loan minus interest owed on the loan. Affirm is still charging me the portion of the requested loan that was never paid out saying they paid it out, which is not true because the total original amount was {$1700.00} total for the rental. They have never paid out more than a merchant request. Its not a traditional loan and the money never comes to the borrower. I have provided receipts showing what XXXX charged and refunded as well as when the second payment to XXXX would have been due. Affirm is trying to make me pay my funds with interest in which they did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: AL
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 fair credit reporting act.the list of accounts below has violated my federally protected consum

er rights to privacy and confidentiality under 15 USC 1681. List the ac
count name here with the account # ( do not list over 5 accounts and 6 inquires ) -Ex XXXX XXXX # Accounts #

has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian keeps sending " unable to verify identity '' while trying to obtain a loan. 

unable to reach Experian agent to correct or investigation the issue.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm grateful that you made the effort to remove some of the records from my file that you said were obtained through identity theft, but I still need to remove a few more. According to FCRA section 605 of the law, any goods that were recognized on an ID THEFT REPORT were to be taken away. This report was previously attached to a letter, so I'm including it once more. My lawyer has been informed of my intentions, and they are eager to hold you accountable for your willful disregard for the law. 
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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-07-24
Company: Chime Financial Inc
State: MS
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 recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Everi Payments 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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 I visited XXXX XXXX XXXX in XXXX, OK Address XXXX XXXX XXXX XXXX, Ok XXXX I used the Everi ATM machine I entered my debit card and requested a balance inquiry. The " ATM '' machine errored out and prompted me with a message that says, " unable to complete transaction '' We can not process your request at this time. The machine charged me on XX/XX/2023 {$640.00}. XXXX says this was to purchase a gaming ticket, yet I was doing a balance inquiry. When they looked back it said note presented not collectable. I filed a claim to the XXXX, but they told me not to worry that Everi will credit my money back. On the Following day on XX/XX/2023 I was charged again! {$680.00} from the SAME MERCHANT, I did not make another balance inquiry, and I went and spoke to the representative of management and they told me that EVERI WOULD REFUND MY MONEY. I waited a week a nothing happened, waited a couple more weeks nothing happened. So, I called my bank and file a claim on XX/XX/2023 my bank did not credit my account. So now I need you help since your machine stole my money and the casino crew is clueless. Kindly contact me and provide a solution. Everi does not have an easy number for any consumers to contact them. I have tried calling the XXXX number and keep getting told my case will be escalated and nothing happens. This is money I actually need, and I know for certain nothing was dispensed. Even XXXX confirmed to me that they don't see a gaming ticket was presented. That I need to contact Everi so that is what I am doing. Again these were charged to my debit card, no gaming ticket was received. When I contacted XXXX again they told me that they show a gaming ticket was redeemed twice, but they stated that they can see it says printer error and the transaction cancelled. Yet XXXX says they are not responsible and that I need to contact Everi, These charges are both to my account ending in XXXX. Debit card ending in XXXX. I should not be held responsible for something I did not do. Especially when I simply was requesting to check my balance, and WHY WAS I CHARGED TWO TIMES FOR GAMING TICKETS for 1 balance inquiry. That really doesn't make sense especially since I waited at the machine for 15 minutes, and nothing printed. The transaction CANCELLED. Regardless if it was redeemed who redeemed it? It wasn't me and the XXXX confirmed it didn't print.

Company response to consumer: Closed with explanation