BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I began receiving emails from Chime that a checking account was opened under my name. 
I contacted the back through their official fraud call center to request more info. They verified my info with the account and claimed no fraud was involved on the account. I continued to ask more questions regarding their validation security and did not receive a response. I also included proof of a login security password reset that sent a code to a phone number not associated with me. No resolution was by Chime to done. No info on security was done. I requested termination of the account. 
I have email documents and screenshots to show all communications on this concern. Chime does not have secure validations processes in place to protect people 's secure info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XXXX.I thought I had finally had my issues resolved when I recieved my XX/XX/XXXX statement, which reflected a reversal of fees, interest, and fraudulent changes and a XXXX balance. Also received a letter of apology from Barclays which stated that they took responsibility for not handling my complaints properly. Much to my surprise, I just received another statement reflecting the same fraudulent charge from XXXX of {$12.00}, which was backdated to XX/XX/XXXX and posted on my account as of XX/XX/XXXX, an account which was closed 10 months ago!

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
1. This is a Business, not a personal account.

2. Company Has not provided a contract and or additional information to validate this account.

3. I attempted to contact the company and sis not receive any information.

4. I disputed the account with TransUnion and did not a response with valid information to keep reporting this on my credit report.

5. XXXX XXXX  is Re-aging this account which is a FCRA violation. Attached is my report. XXXX and TransUnion are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 6. The High Credit Balance is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this 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 explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-07-02
Company: Medical-Commercial Audit Inc
State: SC
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 received a collection letter from : MCA Collection Agency XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to XXXX Credit Reporting. 

I disputed with XXXX, asking for the same documents and they replied it's my debt and no documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-02
Company: EQUIFAX, INC.
State: PA
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:
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 1. XXXX XXXX XXXX, Reference # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXI {$470.00} 2. XXXX XXXX XXXX, Account number # XXXX Original creditor : XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX, XXXX {$2200.00} Reference # XXXX 4. XXXX XXXX XXXX XXXX  Acct # XXXX {$780.00} XXXX. XXXX XXXX Acct # XXXX {$1100.00} XXXX. XXXX XXXX XXXX  XXXX Acct # {$2500.00} XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX {$1000.00} XXXX. XXXX XXXX Acct # XXXX {$1800.00} XXXX. XXXX XXXX Acct XXXX XXXX {$350.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Equifax recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
transunion XXXX and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. transunion XXXX and XXXX are violating the fcra and all agencies are violating my right to privacy,.

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 2023-03-28
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 fraud alerts or security freezes

Complaint:
Please remove all fraud alerts and extended fraud alerts from my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2022-11-30
Company: Experian Information Solutions 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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX XXXX  XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: HI
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 have disputed the late payments on XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2021-05-17
Company: Five Clans Lending LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I had 2 charges of approx. {$110.00} in my checking account. I didn't catch the first one because I thought it was a restaurant charge ( date and amount were the same ). When I received this second one I went to dispute the charge and saw a {$500.00} credit on XXXX. I did NOT make this or any other loan. I called them and they said they had a signed contract. When I told them it was fraudulent and I wanted a copy of the contract, they told me to " call the police ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Cooling & Winter 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: Account status incorrect

Complaint:
XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously.

Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name, address and date of birth listed include incorrectly. I want it fixed. A person with the same name info is listed on my report, please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: COLLECTIONS USA, INC.
State: GA
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 noticed there was an inaccurate account on my consumer report. I am not liable for this or any debt with XXXX XXXX XXXX XXXX  nor have I ever had a contract with Collections USA account number XXXX. They can't provide me with a copy of the application of this debt proving my acknowledgment and commitment to the repayment of this debt like I have asked them for. 
Consumer reporting agencies assume a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report. 
That they are illegally reported and I requested specifically their alleged original application bearing MY signature. They have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company response to consumer: Closed with explanation