BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: MO
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 have tried several times to get these accounts verified through Equifax and they keep telling me they are verified when I know that there is no contract on the accounts and that they are in violation of my hipaa rights. account # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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 my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated calls from Portfolio Recovery Associates. They call from a different phone number every couple days. I almost always answer the phone and I am greeted by someone telling me their name and asking me to verify sensitive information like address, date of birth and social security number. I then ask who they are and what company they are calling from to make sure I am not giving my information to scammers. The majority of them refuse to tell me what company they are calling from. I then ask why they are calling but they say it is about a personal matter and refuse to give more details until I give them my sensitive information. Several others tell me the name of the company, to which I verify the information and we continue to have a conversation about the debt. I then explain to these folks that I was laid off from work and have had difficulty finding another job due to my specialized industry. I even cried to one of the operators about the trouble I have had over the last 2 years. The other operators have also said they understand the circumstances why I can't pay or make payment arrangements but some have gone as far to ask me if I have family members that can help me out. They also say they will make notes on my account so I do not receive repeated calls but I receive more phone calls just a few days later and have to go back through this same process again with someone else refusing to tell me who they are or why they are asking for my personal info. This has been going on for at least 6 months now and the phone calls average twice a week and always from a different phone number. I have repeatedly asked them to stop the calls and I will be in contact as soon as I can make some kind of arrangements. The only relief I have had was from the operator I cried to. After talking to him, the phone calls stopped for a couple weeks. The phone calls resumed about 3 weeks ago and its now back to the same issues at least twice a week with someone asking for my info while refusing to identify why they are calling or the company they are calling from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-27
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX  to XXXX  I saw alot off of pre approvals on Credit Karma. At first, i wasnt sure about it but Credit Karma kept sending me all sorts of different pre approvals telling me that i would be approved for credit cards, personal loans, and refinancing my car. I would log in everyday and see these offers when checking my credit score. After a few months of seeing these offers about being pre approved I thought it was the perfect time to finally apply. I got so many offers through credit karma i started telling my whole family about them planning for future vacations and investments thinking i was already pre approved. I applied for 4 different loans and a credit card in XXXX  and XXXX  and got denied. I was so angry and i felt deceived. I was being told for months that i would be approved by Credit Karma, this was a lie. I was severely stressed out for weeks and fell into a depression along with having migraines on a day to day basis. now i dont trust anyone or anything when it comes to credit incentives and credit checking websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2021 XXXX XXXX placed a inaccurate debt of my credit account. They are saying I owe {$100.00}. I called Experian & XXXX XXXX to get this removed from my account & they have failed to do so. This account should have never been placed on my credit report. I had no knowledge of this account to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}. 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : 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 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021, XXXXXXXX XXXX XXXX XXXX put a collection on my account for the amouth of {$160.00} for a membership. When I called & canceled the membership. They are stating they have no evidence of me calling when in fact i did. I reached out to Experian to get this removed from my report it has now been 60 days and it is still showing on my account. This is harming my credit report in so many ways.

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 2023-05-12
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Chime account in XX/XX/XXXX because I was interested in their credit builder feature along with the advertised high yield savings account. I have a savings, checking, and credit builder account with Chime. I receive approximately XXXX of my direct deposited check in my Chimes Checking account weekly and usually transfer some of this check into my Chimes savings, and a portion to sent to my external XXXX checking account. On Monday, XX/XX/XXXX I attempted to log into my Chime account but was unable to log in. Instead there was a message that read that I should contact Chime via email to verify my identity due to unusual activity on my account. I went to my email and there was an email from XXXX requesting that I send in a copy of a government issued ID and a utility bill to verify my address. I promptly sent these things in. Then I received another email from XXXX requesting that I send in a copy of a government issued ID and a completed W-9 form. I initially responded to the email requesting to speak to someone who could explain why a W-9 was required but when I didnt hear back, I sent in a picture of my Louisiana Drivers license and a completed W-9. Then I received another email from Chime requesting that I resend the same information again and I did. The next email requested that I send in a picture of a different government issued ID so I sent in a picture of my passport, and the response was that that was sufficient to open my account either. I emailed with them back and forth and sent documents on each day between XXXX and XXXX. I also called the Chime Customer service number listed on some of the emails and XXXX XXXX. Each time I spoke with someone who gave me a generic response and was told it was another department that handled verification of identities. I was never connected to anyone who could explain what was wrong with the documents I submitted. 
On XX/XX/XXXX, my suspicion increased and I started googling Chime complaints and realized several customers had experienced the same sort of thing. I had never had a serious problem with Chime before this. I used their credit builder feature for a short period of time, but I didnt like how it showed up on my credit report so I stopped using it. I also had a debit card that didnt seem to work but I didnt really need to use their debit card since my sole purpose was saving money on this account. 
Im very distressed about this situation because the last time I checked my balance was approximately {$25000.00} and I need to gain access to my money. I have very expensive financial obligations that I might not be able to meet if I cant regain access to my money soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a mobile deposit was made to my account in the amount of $ XXXXThe very same day 2 transfers were taken from my account in the amounts of {$5000.00} and {$13000.00}. The same day a deposit correction was taken out of my account in the amount of {$17000.00}. None of these trans actions were done by me and I did not receive any notification that these transactions occurred. I did not find out about this until I tried to use my debit card several days later. I have never deposit money in that amount nor transferred money in that amount in all the years I have bank at this institution. The bank did what they called an investigation and said I was responsible. The bank would not give me any information as to where the money was transferred to to the just froze my account and then closed it. I don`t know how someone got my information to be able to do this but I would think that the bank would have better safe guards in place to watch for thins like this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13
Company: Paramount Capital Group, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX this company obtained my social security number without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: MOHELA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My previous loan servicer verified that my employment at XXXX XXXX applied to my PSLF. However, this loan servicer, Mohela, is now stating that they have that on hold. My loan was just recently transferred to Mohela. I have been on the phone for over 2 hours, and I have been hung up on by the supervisor, who was to call me back. However, the supervisor never called me back. It is clear that they do not want to assist me. I am not sure why my student loan was transferred to them. I never had any issues with my previous loan servicer. Moehla does not have the right to reassess a finding of PSLF forgiveness qualification. It seems like a conflict of interest for them to be managing my loan, as they are the ones who are suing to stop the debt forgiveness given that they want loans to continue thereby allowing them to collect the high interest rates that make paying these loans almost impossible based on the low salaries we are paid at non-profits. See https : XXXX I am very upset at having to rehash something that was already settled. Being in this PSLF and having to work for 10 years for no money is already tantamount to indentured servitude. Must I also be harassed and stressed out having to argue about documentation already provided and approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: SC
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:
Last XX/XX/2022 and XXXX XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I submitted a complaint for it Last XXXX but it was closed immediately without getting any response from the companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2020-11-28
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid an extra {$2000.00} specifically to principal on the Nationstar /Mr. Cooper website yet the company chose to apply that XXXX it instead to interest and principal for a future month and only a small remaining amount to prinicpal. My online confirmation for the transaction that clear shows {$2000.00} was for principal. I was able call and ask to have the payment applied to principal, but i was able to find out that I did everything right and they could not explain how this " error '' occurred. I believe this was actually a company practice in an attempt to perpetrate a fraud on unwitting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
This is not mine 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 2023-03-22
Company: EQUIFAX, INC.
State: FL
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX EQUIFAX AND XXXX HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, EQUIFAX, AND XXXX HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation