BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-14
Company: EQUIFAX, INC.
State: NC
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:
While checking my Equifax consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Equifax. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: CO
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 was scammed by this timeshare company. I went on vacation and was solicited by a resort promoter. I declined all their offers and did not sign up. I did not purchase anything from them but they used my booking information to execute transactions. I have disputed it directly but the original salesperson doesn't work there anymore, and no one is helping me. I have never used this account, I never wanted it, nor did I sign up for it. This company fraudulently used my personal info they have on file to open an account under my name without my permission. They have been billing me and I've made payments because I do not want to mess up my credit & because I was threatened they'll destroy my credit & foreclose on me. I was defrauded and this company should be investigated for scamming people. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2023-05-15
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While attempting to enter the United States XXXX in 2021, I attempted to attend XXXX University and begin the process of completing my XXXX XXXX. In the course of my time at XXXX though, my schedule began to conflict with the timing and scheduling of the classes I was enrolled in and forced me to not be able to complete them. At the time, I had no way of submitting paperwork to begin the withdrawal process from the University. Inevitably, I failed the semester and was then told afterwards that I owed not only the University, but the collections agency. It was determined in the following years that XXXX University was found to be a predatory institution by the U.S. Department of Education. Currently, Ability Reovery Service has claimed responsibility of the debt repayment, even though I have attempted to reach out to the University to rectify this situation. As a servicemember reentering the military, I was not and still am not sure if I was covered by the Servicemember 's Civil Relief Act.

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 2021-09-29
Company: Convergent Resources, Inc.
State: IL
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

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 2023-11-19
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I reached out to chime customer service chat and asked if my deposit was pending. I was told yes, it was pending and that I would receive it by XXXX today. 

When it didnt arrive I was told the agent lied and my deposit wasnt pending. So I asked for a supervisor and was rerouted from agent to agent for an hour. 

I also noticed that chats were now missing from my chat history. The chats Ive screenshot here have been omitted from my chat history because the chats prior to today are still visible but these are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Credit Plus Inc
State: MD
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:
1. CreditPlus - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MS
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. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Byrider Franchising, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 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 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 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) 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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, XXXX, and TransUnion, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : 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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 requested a credit report on XX/XX/XXXX. 

The TransUnion credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The XXXX credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent in multiple disputes asking that both XXXX and Transunion verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- Rooms to go and XXXXXXXX XXXX XXXX XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts 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 2023-04-28
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the items listed below. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I pay for XXXX alert which notifies me of anyone running my credit. Yesterday JPMCB CARD SERV. ran my credit. They told me Chase opened an account ending in XXXX in my name. Chase has since closed that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a concerning matter regarding a debt collection attempt made by XXXXXXXX XXXX on XX/XX/2023, and the subsequent lack of response to my debt validation request. Additionally, I am now being contacted by another debt collector, MRS BPO, on XX/XX/2023 regarding the same debt, which raises questions about the legitimacy of this debt and the practices of the involved parties. 

* XX/XX/2023 : I was initially contacted by XXXX XXXX regarding a debt they claim I owe. I promptly responded to this communication by sending a debt validation letter via certified mail, return receipt requested, on XX/XX/2023. 
* Despite the passage of XXXX months since sending the debt validation letter, I have not received any correspondence or documentation from XXXX XXXX validating the debt as requested. This lack of response raises concerns about the validity and accuracy of the debt in question. 
* On XX/XX/2023, I received a communication from MRS BPO, another debt collector, inquiring about the same debt that was previously being pursued by XXXX XXXX. This sudden change in the collector 's identity, without any prior notice or explanation, further raises doubts about the legitimacy of the debt and the practices of the involved parties. 

Given the circumstances outlined above, I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws. 

I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
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: Personal information incorrect

Complaint:
I am writing this due to noncompliance with the CRA ( Experian ) They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I provided Experian my state id 's with the following address and dates I have resided there : XXXX XXXX XXXX, XXXX XXXX, FL XXXX from XXXX & XXXX XXXX XXXX XXXX , XXXX , FL XXXX XX/XX/XXXX-Current Please remove all other addresses associated with my file.

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 2020-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting an incorrect filing date on the US BKPT CT  TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
I've been disputing these incorrect items on my account for a long time, and the XXXX credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the XXXX agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.

Company response to consumer: Closed with explanation