BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I send more proof of return to sender for my refund. I don't have the wig, because they request me to return, I did with there return label picture attach show. All I want is just my refund of {$110.00} I used my Chime Bank credit card for this purchase XXXX XXXX Note : You never had my dispute form and my evidens of document to make your denial, to close my case. You ignored my paperwork before it got into your hands to make your decision to close my claim so that's why I submitted everything back in for your review for my refund that's the right thing to do.and I should have to wait no 45 days for my refund because it was never reviewed from the first time. 

Copy letter : This what I send to my Chime Bank XXXX XXXX XXXX Here are my documents that Dispute refuse to review today. You didn't take the time to review my proof of fraud again this company XXXX For my {$110.00}. 

They requested the package with there label I did return to them the same day of recieving the package wig inside. That I did not order XXXX XXXX XXXX in NJ. Request the Dispute to contact him XXXX at XXXX to verify my claim return the package to get my refund back. They never contact him. In my Claim. This Company got the wig I return and my money if {$110.00} And I report this to my XXXX bank. In this matter.. 
Please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.

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 2022-01-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Problem is with Synchrony Bank and XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX someone fraudulently ordered more than {$2000.00} worth of merchandise on my Card. I reported it immediately. Synchrony investigated and decided that I had ordered the merchandise. I did not order or receive any of the merchandise I disputed. I cancelled my synchrony card and they issued me a new one. 
Then they said someone fraudulently reported my second card missing and amazon apparently issued a new card for me with a third, different acct number for me. Up until yesterday, I never cancelled my second card or reported it missing AND I never received that third card. 
So yesterday XX/XX/18 i received a bill from Synchrony reinstating all {$2600.00} of fraudulent charges. I cancelled all three accounts and explained my problems to several amazon customer service reps and to two fraud and investigative reps at Synchrony. They said they will open the investigation again. I am very frustrated and want all the frsudulent charges removed once and for all and a letter stating they have been removed.

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 2021-09-13
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled my credit report and found all these medical bills that were supposed to be paid by my Florida Medicaid. I should not be balanced billed. This is illegal to balance bill me. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$720.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations XXXX XXXX XXXX. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Westlake Services, LLC
State: VA
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:
Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to Westlake Financial and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not respondedXXXX XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

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 2023-11-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today, I checked if I was a victim of the Equifax Data Breach and it turns out my information was impacted. 

Please delete the following accounts from my Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/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 2021-01-15
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, I sent letters to XXXX XXXX COLLECTION ON BOTH ADDRESSES ( MAIN AND CORPORATE ) .and i haven't heard anything from them regarding this inaccurate item.i also attached copies below of the letters that i sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I contacted each credit reporting bureau.XXXX, Experian and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # 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 2021-09-13
Company: Source Receivables Management LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in XX/XX/XXXX, I reported it to all credit bureaus and was able to have several fraudulent accounts removed, except for one. this account started under XXXX, which I have never done any business with either personal or professional. The account was then sent to collections in XX/XX/XXXX. I contacted the collection company and verified that the email address, telephone number and mailing address on the account are not mine, neither are they any that I have associated with. I filed for a dispute with the credit agency, but all updates were sent to the wrong email address and/or mailing address, so I had no way of confirming the disputed information. The collection is for a total of {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Financial Recovery Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - Financial Recovery Services - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I worked up a payment plan with a local photographer. For {$2500.00}, she was supposed to shoot my wedding in XXXX. She promised to accept minimal payments from me until she was paid off. I started making payments via the XXXXXXXX XXXX  right away since that's all she accepted. I paid her more than {$800.00}. I saw her on our local news as a fraudster after making these payments. According to the reports, she had defrauded a large number of individuals. I immediately attempted to call her, but received no response. I've contacted her practically daily since then and have yet to hear back. I'm aware that Chime provides Buyer Protection in situations like this, but I have yet to hear from them, and it's been a while since I submitted a dispute, and I desperately need my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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