BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Chime Financial Inc
State: GA
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:
On XX/XX/XXXX of 2023 someone used my debit card information to make a purchase on the XXXX  website for a hotel room at the XXXX XXXX, in the amount of {$210.00}. During this time, specifically from XX/XX/XXXX until XX/XX/XXXX, I was several hours away from XXXX, where the XXXX XXXX is located, attending the funeral of a relative. XXXX XXXX of XXXX is the family member who passed for verification. I notified Chime on XX/XX/XXXX, once the charge was no longer in pending status, of the fraudulant charge and provided a police report number for the fraud. I also called the website where the purchase was made, on XX/XX/XXXX, and was directed by the XXXX  company to dispute the charge with my bank. I had already done that. On XX/XX/XXXX, Chime emailed me and denied my dispute but did not provide the reason for the denial or share any information that was used in their investigation to make the determination. On XX/XX/XXXX I wrote a letter to Chime and provided more details about the fraudulent charges and included other charges that were fraudulent. I explained that a former roommate was the person making the fraudulent transactions and after auditing my account statements in great detail, I also listed all the charges I was disputing and were unauthorized. In the letter I asked Chime to consider the information I provided as well as the police report and reconsider their original dispute denial. I also requested a copy of all documents and imformation that was used during the dispute investigation. From XX/XX/XXXX to XX/XX/XXXX I contacted Chime XXXX more times to follow up on my documents request and received nothing. On XX/XX/XXXX I send another letter demanding the documents and informed Chime of their XXXX XXXX violations. I was send an email on about XX/XX/XXXX with a link to access the requested documents. I was unable to open the link and have not heard from Chime to date with a solution to the broken link and fullfilment of my documents request. Listed below are the transactions that were unauthorized and fraudulant : XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$46.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$44.00} XXXX XX/XX/XXXX {$68.00} XXXX XX/XX/XXXX {$21.00} XXXX XX/XX/XXXX {$6.00} XXXX XX/XX/XXXX {$12.00} XXXX XX/XX/XXXX {$19.00} XXXX XX/XX/XXXX {$16.00} I have requested the documents Chime used in their investigation for all the above listed disupted transactions multiple times and have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX 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 explanation
Consumer complaint received 2020-08-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX 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 XXXXXXXX

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 2020-08-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

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 2023-07-25
Company: Experian Information Solutions 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MI
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:
Re : 623 15 U.S.C. 1681s-2 Violations. 
See the document attached.

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 2019-02-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX  - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent charges made on this account already reported to the credit grantor. some one else used this card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Bread Financial 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:
I have attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are XXXX, Comenity Bank/ Victoria 's Secret, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Midland Credit Management Inc regarding erroneous information that is showing on my credit file, however, this company refuses to send detailed information validating this debt. I have requested multiple times for Midland Credit Management Inc to forward a detail of the charges including original creditor to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CNG HOLDINGS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: MO
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 recently checked my credit report and noticed an account I don't recognize. XXXX XXXX Account # : XXXX has TWO different balances pertaining to this one account #. I reached out to XXXX XXXX asking for proof of this debt 's original application or contract bearing my signature and they have yet been able to provide me with proof of debt. Experian has violated my consumer rights by furnishing this account. 

Under 15 U.S.C. 1681i ( 7 ) method of verification this account is in violation and was reported without valid evidence.

Under 15 U. S. Code 1681 e ( b ) and 15 U. S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

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 2020-08-17
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account on my credit file of which I was not aware of, I contacted EOS CCA to ask for debt validation 3 times and they have not responded. I contacted the BBB and EOS CCA said they would send debt validation within 10 days they have not done so to date. I reached out to the credit bureaus and they informed me the debt was verified, how is that possible when the company EOS CCA who is reporting the debt is not even the owner of the debt? Furthermore, the company claiming to be the current owner ( XXXX XXXX XXXX ) is pretending to be a lending institution, who is claiming I took out a loan or some type of credit with them, which I did not. Isn't it against the law for a collection to try to collect a debt that they can not prove they own or is assigned the debt by the original creditor? EOS CCA is not the owner of this debt, I have attached a bill EOS CCA sent listing XXXX XXXX as the current creditor and certified mail receipts which shows they received my request for debt validation. They listed XXXX XXXX company as the current creditor which is a lie because XXXX XXXX is not a lending institution. I have tried to contact XXXX XXXX XXXX and was unable to get an address or phone number. I have never done business with either of these company who are claiming that I owe them money. I do not owe these companies any money and I don't have any affiliations with them! They are collection companies operating under false pretense as creditors to scare or scam consumers into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: OR
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 submitted a letter to the Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A wire was sent to my account on XX/XX/XXXX and again on XX/XX/XXXX. Each time, Chase, without notice or information provided, held the funds and refused to release the funds into my account despite receiving confirmation from the sending bank. I believe this hold to be founded in XXXX discrimination practices within the bank, based on several customer service interactions I have had dating back to XXXX XXXX, and the bank continues to refuse to release these funds to my account and evade providing additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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 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 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 2023-07-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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