BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account is 6 years old. And I was not aware of this account cause I'm not no longer at this address. This is a old XXXX bill which I can still get service on. But by them keep reporting this on my credit report its keeping me homeless. Everytime I apply for a apartment they keep seeing this collection on my report and denied my rental application. I don't have no problem paying anything but I need it to go out of collections. This bill is from XXXX. And some creditors had bought my account and been reporting it since then. Been homeless since then. XXXX yrs going on XXXX now. They name is, LJ ROSS creditors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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:
Equifax did not properly investigate my Dept of Education XXXX and U S Dept. of Education / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 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.

15 U.S.C 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: Nelnet, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DEPT OF ED/NELNET- Account number XXXX is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-11
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX 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

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 2023-06-28
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING i sent TWO certified leftters already asking for proof that these accounts are mine only thing they send back is that that they have updated the information and all accounts are verified both XXXX and experian are ignoring my request for proof that these accounts are actully mine. Also keep reporting inaccurate information from account opened dates till the actual account number and more. I attached most resent results they continue to keep sending me after keep waiting 30-45 days for them to finish with results. Both letters i sent copy off my drivers license and social security card and got it notarized but keep asking me to send it over and over. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified with NO PROOF of VERIFICATION items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly but never showed who verified these accounts? You have NOT provided me a copy of ANY original documentation of contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These accounts again I ask to be deleted immediately from my report 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 2022-10-12
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a chime account that has an unauthorized transaction on it. " XXXX XXXX  From Us bankremaining Funds Returned To Us " is the entity that withdrew the find from my account. And yes, this is the exact way that it appears on my statement. Looks " fishy " to me.They keep calling this transaction a " bank adjustment ". I've spent several hours on the phone and online with chime trying to dispute the claims. Just to have them tell me that their policy states that " any bank adjustments can not be disputed ". They even told me that it must be from XXXX BANK and to give them a call to settle things. So I did. They couldn't find anything in my name. I even had them run my social security number. And nothing came back. Someone from XXXX BANK told me to have chime call them back. But they wouldn't accept the phone number. Plus, not too mention that I've never had business with " XXXX BANK ". This happened on the XXXX of XXXX. It is now the XXXX of XXXX. And even though they see the transaction on their computer. They still will not do anything remotely to help resolve the issue. I'm totally stuck at this point. Not sure what to do from here. I've exhausted all of my means. Their customer service XXXX!!! I can't even file a dispute to get the investigation going. I speak with an agent, then to the dispute dept, then to a supervisor, and finally to the " team member " dept. If there's even one. Then we repeat this circle over and over and over. Noone ever really helps. Just passes you on to the next agent. TERRIBLE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX .... Balance {$0.00}, XXXX XXXX .... Balance {$74000.00}, XXXX XXXX XXXX XXXX XXXX .... Balance {$0.00}

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 2021-01-19
Company: EQUIFAX, INC.
State: LA
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, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus Equifax, XX/XX/XXXX and XX/XX/XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XX/XX/XXXX dated XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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:
I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2024, I made a check deposit with a teller at Bank of America XXXX XXXX XXXX at XXXX, PA location. I was told {$220.00} would be available the next day and the rest available on XX/XX/2024. The next day on XX/XX/2024, my checking was overdrawn {$1600.00} and {$220.00} was missing. I couldnt get to bank because Im in training all day with my new job. I called on XX/XX/2024 XXXXXXXX XXXX the XXXX number, the gentleman couldnt find the original deposit, I gave him the all the numbers on the two receipts the teller gave me. He still couldnt find the deposit. Put me on hold came back and said its bank error. It should be resolved the next day. I asked him are you sure because my checking account is overdrawn {$1600.00} and my paycheck hits the account the next day. Your direct deposit should be fine. The next day on XX/XX/2024 my checking account is still overdrawn but now {$680.00}. Im devastated, I was explained this will be resolved and I would be able to receive my paycheck. I decided to go to my local branch Bank of America XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The Assistant Manager XXXX XXXX and another gentleman overextended their efforts. She put my account in good standing and able to receive my paycheck. I was left no funds couldnt pay my bills or get anything to eat all day Friday. I was told from XXXX number and the chat line I would have to wait until Monday, XX/XX/XXXX after XXXX for the funds to clear. As of today still missing a check deposit. Unacceptable. The check deposit is a local check from XXXXXXXX XXXX Wheres the check deposit. I need assistance to resolve this matter now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: FinCo Services Inc DBA Current
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/XXXX my ex-boyfriend XXXX XXXX had stolen my purse containing all of my credit cards and my identification. He got gas at XXXX and here in XXXX Indiana went to the casino in XXXX and withdrew all of my money I probably reported this to current to lock my card however they didn't block it and he was able to take more money out and he also went to XXXX 's. I reported this on XX/XX/XXXX and they denied my dispute as of yesterday XX/XX/XXXX that is not enough time for them to properly investigate this. When I asked them for evidence that they did their due diligence and their judicial responsibility they denied sending me any documentation to validate their decision. This isn't fair at all. I would also like to add that I inform them that I banned from the casino all casinos no matter what state so therefore I can not get past the door and I submitted documentation that I am banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase issued me a credit card that had a 0 % apr for balance transfers until XX/XX/2019, but a high interest rate ( 22.99 variable ) for purchases. I transferred a balance and paid the balance transfer fee. Then I used it for purchases and paid an amount to cover the purchases so I would not get interest. I also paid the minimum on the balance transfer. They took the money and applied it the lower apr and not the way I intended. They spread the money, some went towards the 0 % balance transfer minimum payment due, and some to the 0 % balance transfer amount and some went to part of the 22.99 % purchases. They tell me I can not tell them how to apply the money, even though I know the act says that money needs to go to the higher apr first. Basically, they said that the only way I can avoid paying interest on these purchases is to pay off the entire thing. I got card to take advantage of 0 % interest and they are flouting the regulations of the recent credit card act that says payments go to the higher % first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've requested copies of statements from time my Slate account was opened until it was closed as well as account agreement pertaining to charging of interest and fees. I need these items mailed to me, Chase has replied prior and attached the items via file. These items need to be mailed to me, these are required for legal reasons. I am unable to print the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2023 I paid off the balance so that I could receive the funds in reserve for my Credit Builder Loan. The loan was to put aside funds in a reserve and once paid off they would be released to my account. The payment was processed and was said to take up to 14 days to be received. I contacted Moneylion on several occasions in XXXX via chat and email. The only response I have been given is a dedicated team is looking into it. Tried to get more information today ( XXXX ) via chat and phone call and still being told the same thing. No one can give me any answers and they said that they are not allowed to let us speak with the team reviewing the issue, nor can anyone tell us what the issue is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief