BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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:
Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell

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 2022-10-24
Company: Kriya Capital, LLC
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given CREDENCE RESOURCE MANAGEMENT ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from CREDENCE RESOURCE MANAGEMENT about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXXXX 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 2023-01-27
Company: Alorica Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I signed up online with XXXX approving me {$2600.00} ( borrow & grow plan like a savings account ) which at that time XXXX deposited only {$1000.00} into my XXXX XXXX Checking Acct and I agreed to pay {$140.00} each month until the {$1000.00} was paid in full but the remainder of {$1600.00} was never deposited, it was treated as a grow plan savings account until it was paid in full then released when paid in full continuing paying the monthly payments of {$140.00}. Then on XX/XX/XXXX, my XXXX acct # XXXX was transferred to SST to which I have no knowledge of this company. They attempted to take a payment from XXXX XXXX XXXX Acct of {$140.00} on XX/XX/XXXX which caused a double NSF charges of {$36.00} and I had to dispute this charge and later in the days, the payment of {$140.00} was put back into my XXXX XXXX Checking Acct including the double NSF charges of {$36.00}. SST then sent me a message that they will attempt to take another payment of {$140.00} on XX/XX/XXXX and this is when I decided to write SST a Letter Of Cancellation on XX/XX/XXXX. This cancellation was effective XX/XX/XXXX and SST just will not comply to my cancellation letter. I have paid the {$1000.00} in full and the remainder of {$1600.00} which is a grow plan savings acct I am no longer interested in because I am facing a full financial hardship. I had to enroll to a consolidation company for all of my credit cards that I could not afford due to my full financial hardship saving me from filing bankruptcy. I have filed a complaint with the XXXX XXXX XXXX regarding SST and still SST just will not comply to my cancellation letter dated XX/XX/XXXX... XXXX.Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & # XXXX has violated my rights. 


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.

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 non-monetary relief
Consumer complaint received 2023-06-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 there were two fraudulent charges on my card. One for {$51.00} showing XXXX and one for {$300.00} showing XXXX. I received a text message from my bank asking if the XXXX charge was me and I replied no. I called the bank and told them neither of those charges were mine and asked to cancel my debit card. I also asked to stop payment and refund the cash bug they told me I needed to wait until it was processed then reach out again. I reached out and was able to get the {$51.00} refunded but the {$300.00} XXXX charge has been more difficult. When I first reached out they asked me if I had a XXXX account and I said yes I do but my card isnt linked to it. This charge isnt on my XXXX account. they said they understood, I get an email a few weeks later and theyre asking me to reach out to XXXX for my money but XXXX couldnt help. At that point I didnt have my card anymore and I have no idea what XXXX account was used when they charged me. Ive been calling and trying to explain to every person who answers at bank of the west and everyone tells me theyre escalating the case or the investigator will reach out to me then I could explain to them big there has been no phone calls or emails. Now I keep hearing that theyre working on it and to call the following week. I call the next week and they tell me the same thing. Seems like every time I call they just tell me to call next week and its been dragging like this for the past month

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 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Apple Card Goldman Sachs card and have never had issues up until recently. In XX/XX/2023, Goldman Sachs/Apple Card restricted my account without any explanation or reason. When I contacted them I informed them that I was a victim of fraud in mid XX/XX/2023 where someone got a hold of my social security number, Apple Card number, XXXX  XXXX bank account number and other personal information. The fraudster tried to open a XXXX XXXX XXXXXXXX checking account but was unable to and XXXX informed me of this XX/XX/2023. I subsequently filed a fraud alert with all three credit report agencies, XXXX, XXXX, XXXX and XXXX. I also filed a police report on XX/XX/2023 and provided them with this information and the police number. I have contacted them on numerous occasions and have been told that my account would be unrestricted within a few days but it has no been nearly a mont since its been restricted. I am not given any explanation as to why, or a time frame. I am told I can also not call this department and that they only make outbound calls. This is incredibly frustrating as I have had the AppleCard for years and have never had issues. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep being harassed by LVNV funding. But they always come back finding they did nothing wrong. Resurgent has closed the two accounts but lvnv funding. Is still reporting them. This isn't fair to me if they have closed something that LVNV funding is still reporting on them. resurgent capital. I would appreciate if they don't lie saying they haven't closed them. Or say they are unable to locate my account. One account is for XXXX and the other for XXXX XXXX XXXX  for {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Affirm Holdings, Inc
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I went on XXXX XXXX orders in XX/XX/2022. I was making payments until I no longer was in the states. Once XXXX XXXX I did not have time and internet service to submit payments. Once I was available to make my payments the accounts were in collections and this now prevents me from federal job offers, fair financial reporting, as well as defames my name and my report. I can no longer qualify to purchase a house nor a vehicle. I have reached out to affirm and have asked for a pay to delete option being that my rights were violated. 
In accordance with the fair credit reporting act Affirm Account #, has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without written instructions.

Under The Servicemembers Civil Relief Act Protection under installment contracts for purchase or lease Section 302 ( 50 U.S.C. 3952 ) while on active military orders I have protection under this law of the installments with affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone has hacked into my phone and was able to gain access to my account, on XX/XX/XXXX at XXXX XXXX  I received a email from my bank saying my email address has been updated and I didn't request the change, and was locked out of my account. I immediately contacted the bank to report it and had to submit a identity verification by emailing a photo of myself holding my ID and was told it could take 1 to 12 hours to be reviewed. I called the bank again later the same day at XXXX in the afternoon, after verifying me they updated my account and I was able to finally gain access to my account that's when I noticed a transaction that occurred XXXX in the morning, my money was transferred to my checking account and then they did a XXXX XXXX transaction for {$300.00} to account under the name XXXX XXXX. I immediately contacted the bank again and reported the transaction because clearly it couldn't have been me because I called them XXXX hours prior to it happing because my information had been changed. No one could explain to me how my account was not immediately frozen when I reported the suspicious activity prior to the transaction. Chime has denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: CA
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 {$430.00} XXXX  XXXX # XXXX {$470.00} XXXX XXXX  # XXXX {$200.00} XXXX # XXXX {$390.00} XXXX XXXX # XXXX {$1600.00} XXXX # XXXX {$850.00} XXXX XXXX 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 2023-05-11
Company: EQUIFAX, INC.
State: NV
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:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, XXXX, and Equifax. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: 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 erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
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. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a single mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!

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 2023-09-19
Company: EQUIFAX, INC.
State: NJ
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:
these account are incorrect plese remove XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief