BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Until recently, I was a customer of Chime ( Website : www.chime.com ), an online financial institution that offers checking and savings accounts. The deposits are routed through XXXXXX/XX/XXXX XXXX Routing Number XXXX ) and XX/XX/XXXX ( Routing number XXXX ). 

On Monday XX/XX/XXXX, I received an email from the bank, asking for my employer and source of income. Later that afternoon, I responded with the requested information. 

On Thursday XX/XX/XXXX, I received another email from them, stating that they need documents supporting my answer, to which I responded that I am not willing to provide because of privacy concerns. The email stated that if I refuse to respond, my account may be suspended or closed, so I asked for a way to close my account and transfer my balance. I did not get a response. At the time, the total of my deposits amounted to {$210000.00} Expecting the account to be closed, I started moving money to an external linked account. Chime only allows transferring up to {$10000.00} each business day. 

On Tuesday XX/XX/XXXX, my account was suspended without any further notice, and I currently have no way of accessing my money or any monthly statements. I have repeatedly sent them emails and as of now have not received a response. Furthermore, I have sent them the documents they were requesting in the first place, in hopes of just getting my money back. I have repeatedly called them, and I am always told to expect an email response, as the call center does not handle such complaints. I have not received any correspondence since XX/XX/XXXX despite also sending them multiple emails. Since suspending the account, they are in possession of the remaining balance, which amounts to {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX- I find this interesting as I called each of the XXXX credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXX XXXXXXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian refuses to correct the report with the correct information reported from the creditor and the consumer. Numerous disputes have been filed since 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 2023-02-22
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:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

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 2022-08-29
Company: EQUIFAX, 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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
To Whom It may concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my credit score accurate for me and my family.

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 2021-02-16
Company: Southwest Credit Systems, L.P.
State: MD
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 recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


SOUTHWEST CREDIT, ****XXXX XXXX***, XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2019-02-13
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written complaint was sent XX/XX/2018 asking the company to VERIFY that the account belonged to me. The company responded on XX/XX/18 advising they didn't own the account and collection efforts would cease. I have recently received the same communication on this account ( which I did not request as the situation was handled previously ) and it has been added back to my credit report under this Agency. I am  requesting that this be removed in accordance to previous responses.

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 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal have " permanently closed my account '' for absolute no reason atall despite MULTIPLE times asking them how, why etc. As you probably have received this email MULTIPLE times, it is the same issue! I had over XXXX saved up from my LEGITMATE website and they are now holding all funs for " 180 '' days. There are so many other websites offering the same products and taking the same payment methods.. PAYPAL. Why me? I have had all my images created by a designer with no copyright issues etc, never had any complaints or refunds filed etc so there was no reason whatsoever. My email linked to the PayPal is XXXX I have bills, rent, cars and human needs to pay! They do not care, I am going to fall behind financially on alot of bills as I rely on PayPal for a source of income during XXXX. 

Please help me! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a Capital One Walmart Rewards Card for over a year. I pay off the entire balance each month. I have never once been late even 1 day or 1 hour. I have never had a payment returned for insufficient funds. I have been an excellent credit user. My Credit is excellent. But at certain times Capital One holds my payment for up to 10 Days ( even through they process my payment through my bank and it clears my bank and their institution ) thus not allowing me to purchase items at Walmart to obtain more Reward Points. This is illegal to do period. I now know in todays quick moving society that once a payment is made to any lender or lending institution that the longest it takes for it to clear the institution you made it to is 48 hours unless it is a holiday or weekend. Capital One Rewards Card thus is false advertising and trying to control the amount you can actually earn with their company, which is a breach of the contract between themselves and the consumer. Now when I call into their Customer Service Line they put me on hold after I explain the reason for the call ( a hold on my payment ) and I hold the line for over 20 minutes and always they disconnect the call. So I repeated this exercise of trying to resolve this issue today over 17 times and the same thing happens each time. I also record my calls with them, and they state the conversation can be recorded without my permission on their end, but if I record the call they hang up immediately. This is a sure sign of illegal processes being covered up internally, so I know Capital One Executives are well aware of their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
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: 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
To Whom It XXXX concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my XXXX XXXX accurate for me and my family. I will attach documents from XXXX, XXXX and experian so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.

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 2020-12-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation