BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: GA
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 filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX someone hacked into my Chime account and took {$650.00}. This was the second time my account was hacked even after taking all the precautions as directed by the bank. The bank has since denied my claim but will not contact me to go over the paperwork I waited 10 days to get showing why they denied it. I have called, emailed, and XXXX. I just keep receiving generic responses saying someone will contact me but no one has. Customer service claims the people I need to talk to are unreachable any other way but email. I just want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion DateXXXX File : XXXX Names Reported : XXXX XXXX is not my legal name and I feel it is affecting my credit. 
XXXX XXXX is a female name. Not my legal name. 

Transunion has acted reckless with this name in which has affected my credit score in reasons by wrong names on my credit by Transunion credit file. 

I'm also filing a complaint with the US attorney to investigate Transunion wreckless actions affecting my credit.

Address Reported by Transunion are all wrong with multiple address duplicated of home address as well as phone numbers are not mines.

Transunion has mix credit names of a woman and man in =which are not me and therefore has an impact on my credit file on mix credit. XXXX XXXX XXXX I have consulted with a credit attorney out of Texas in regards of legal action by the impact of my credit file and negligence by transition Mixed credit file incorrect.

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 2020-08-10
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: V and H Portfolio
State: NC
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:
This company had been posting account that was fraudulent put in my name without my consent.. I will like for this company to remove this off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
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 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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 dispute of items that were alleged to belong to me to XXXX XXXX and Transunion on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.

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 2018-06-26
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection on my credit report that I dont recognize and how is this account is reporting on my report. I dont recognize the account number I dont recognize the account status or the account high balance nor do I recognize the late payments associated with this. Everything reported here does not meet the FCRA according to 15 us code 1681 1681 b 1681 c 1681 c2. I been in constant communications with this company and they cant even provide information. I filed a report with the XXXX  and identify theft.com as well as put a freeze on all credit report bureaus but its still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-25
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant , LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Avant credit card company needs to be sued for un professional practices. 
My accounts been closed for over a year. Ending balance was XXXX I owed when i closed my account. I've been making monthly payment on this for XXXX dollars a month on on time. They wait till I owe XXXX dollars left then start having problems with there website or cant get a hold of nobody. reporting late payments on my report. 
This account is closed and Im still getting high interest charges on a closed account every month. I will be looking into legal Counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They stole my money my opening deposit and lied to me and said they would mail my debit card I havent received anything from them by mail as promised and when I call they refuse to tell me why my account is blocked they wont tell me whats going on by mail or phone how is this fair

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 2021-05-24
Company: HW Holding, Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account. My husband spent two days attempting to contact some at XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation by the company. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: I.C. System, Inc.
State: NV
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:
On XX/XX/, ( I C System ) attempted to fraudulently collect a debt of {$1500.00}. Not only did they attempt to collect, they caused damage of creditXXXX GoodName by reporting false signatures and information to XXXX XXXX XXXX XXXX and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

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 2020-11-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default XXXX times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
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:
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 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 2020-08-10
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

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 2021-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My entire personal checking account was frozen by XXXX after a XXXX  Grant deposit on XX/XX/XXXX. It was for the EIDL Targeted XXXX. Prior to this recent deposit I had an EIDL loan of {$88000.00} on XX/XX/XXXX without any issues at all. At this point I don't know the precise amount of money that is frozen because I have zero access to the account. Online account and ATM card is locked as well. However, the amount frozen is around the neighborhood of {$250000.00}. 


When I learned that my account was frozen I immediately called the number given to me by Chase. My first attempt to call ( XX/XX/XXXX ) and was on hold for XXXX XXXX  before I was cut off. I tried again in a couple hours and was on hold for XXXX XXXX and XXXX XXXX. I was again disconnected without being able to speak with anyone. I will provide a screenshot of my call as it would seem unbelievable that Chase would have such a long hold time. 
I decided to visit my local Chase branch after not being able to get a hold of anyone. The branch manager informed me it was due to a recent XXXX deposit. The instructions on their computers was to provide proof that I was in business prior to XX/XX/XXXX. The Chase branch manager was able to contact someone at Chase Fraud Dept and they instructed me to prepare my XXXX 1040 Schedule C ( Profit and Loss ) and my XXXX loan documents and have the branch manager send it to the fraud department. My ID and ATM card was provided as well. I felt this was a fair request and was all done on XX/XX/XXXX and was instructed to come back next day to see if there is any update. 


I visited my local branch again on XX/XX/XXXX and my branch manager was able to contact the fraud department. We were informed that the documents have been received. However, the person at the XXXX XXXX department wanted EIN numbers and not my social security number on the returns. Prior to obtaining my XXXX EIDL Loan I had made sure that sole proprietorships without any employees can apply. My loan officer assured me that I could apply using my social security since I was a sole proprietor without any employees. My hard credit pulls from the XXXX were all done by my Social Security number. My tax returns on my business uses my social security and I'm listed as a sole proprietorship with the IRS. Many gig workers, independent contractors and sole proprietor qualified and received the loan. 


Since XXXX requires my EIN to be established before XX/XX/XXXX in order to unfreeze my account I'm out of options. Basically, filling for a XXXX today would not help. My loan docs and tax returns matches my bank account info. The tax return proves I was in business for the year of XXXX. This bank account is around XXXX XXXX XXXX as well and never have been frozen. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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

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 2023-11-06
Company: DISCOVER BANK
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called on Thursday XX/XX/XXXX and spoke with representative and the only deal offered was a new interest rate of 16 % even after explaining this was my husband 's bill and he had been deceased over 15 years and I was just paying bill because my name was on the card

Company response to consumer: Closed with explanation