BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: MA
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 writing to file a formal complaint regarding the inaccurate information on my credit report held by Experian. On XX/XX/XXXX, I contacted Experian concerning the following incorrect information on my credit report, and as of this date, they have not responded. I am seeking to rectify these inaccuracies and request your assistance in this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request its immediate removal from my credit report. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has caused significant harm to my credit reputation. I recall a lower balance on this account. I request that your agency revises the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This erroneous account has likely negatively impacted my credit score. I urgently need to reach an agreement with my creditor regarding the incorrect data. I kindly request that your agency marks this account as disputed to prevent further damage to my credit score. 


Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$35000.00} This account is not mine, and I request its immediate removal from my credit report.

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 2022-12-15
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my account was suspended due to suspicious activity. Chime needed to perform an investigation and asked me to provide my drivers license, proof of my address, and a letter stating that the attempted deposit to my account was authorized. I have tried multiple times to contact chime since this occurred and they have offered little to no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company Midland Credit Management trying to collect money from me that I do now owe they have threatened to sue but have shown no proof that I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IL
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:
The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus XXXX XXXX Equifax, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NV
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:
I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner.The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX Acct # 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,

Company response to consumer: In progress
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Transunion file # XXXX XXXX. Transunion has received proper evidence via certified AFFIDAVIT XXXX, received XX/XX/XXXX, and certified Affidavit XXXX, received XX/XX/XXXX, showing this account to be inaccurate and does not belong to this consumer or on the credit report. 

XXXX. Consumer declares that XXXX XXXX XXXX XXXX XXXX merged out of existence, and was dissolved on XX/XX/XXXX as South Carolina entity # XXXX, and that none of its officers were operating lawfully in North Carolina at the time of alleged consumer contract, therfore it is impossible that agents for TransUnion could verify or investigate and are falsifying their report that it was already verified. Transunion has received evidence via certified XXXX that account was disputed with XXXX and deleted on XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a refund check from chase for a little over $ XXXX.stating that the wrongfully had taken my car and sold it and I was in the XXXX. I finally received the check and cashed it with no info attached and after 3 years I received a letter from the IRS stating that chase sent in aXXXXform for me to pay taxes on this money. This was not money from working for chase but a refund from you over charging of fees and resale of my car. I have been calling and no one seems to know what to do ect. i spoke to the IRS and they stated that Chase needs to send a new XXXX form correction to get this situation handled and sent to IRS with correct information to get this handled this is causing me to have to pay over {$6800.00} in Taxes. I need this situation handled so that I can put this behind me. If I have to keep reaching out to someone in regards to this matter and getting no answers. I will be having my lawyer to contact due to this matter with information sent to the XXXX. this should have been information sent in the later. so that I could have filed right then in there but now I have fees ect for this which is affecting my life. if you ever get anything from them be sure to request all forms needed and get names because its been 3 years and still no answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a 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 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: LA
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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the 2nd time this year my checking account has been hacked through Truist/BB & T Bank . This time they initiall text me at XXXX XXXX XXXX on XX/XX/XXXX to let me know I been hacked they then called me and went over charges that went through that they can tell were fraudulent because it came from another state. They blocked and declined some of the attempts but did not lock my account so it wouldnt happen again. They cancelled the {$900.00} XXXX attempt and the {$1100.00} XXXX attempt but allowed two others to go through knowing it was fraud. 15 minutes after that called they allowed the scammer to XXXX themself {$200.00} and {$640.00} and did not block it which would have been avoided if they put a hold on my account when they first called. So I called again and the person stated they had no recitation that someone called me previously which I have the emails, text and call log as proof. She told me they could not do a claim until payment post. On XX/XX/XXXX I called them back because payment posted and they put in claim but basically told me its likely I wont get my money back which is illegal. I did not authorize those XXXX payments and they already know I was getting fraud attacked because they ( the bank ) are the ones that alerted me. I have issues with this bank almost twice a year where someone hacks my checking account and the bank gives me a hard time to resolve the issue. I have put in a police report since the bank does not seem to care. Which I have been a loyal customer of Truist bank which use to be BB & T for over 15 years. I would really appreciate this getting resolved as over {$800.00} has been taken from me.

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 2019-05-31
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX  XXXX XXXX Balance {$3200.00} ; XXXX XXXX  XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}

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 non-monetary relief
Consumer complaint received 2022-05-24
Company: CCS Financial Services, Inc.
State: AL
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:
I am a consumer, natural living breathing person. I am writing this complaint with my own free will and I am not being coerced by any third party or agency. I am aware that this company, " Credit Collection Services '' has used my personal information without being in accordance with the law. As of XX/XX/2021 I am aware that this company, " Credit Collection Services '' has been fraudulently using my personal information and furnishing items to my consumer report which should be excluded according to 15 USC 1681 ( 2 ) ( A ) ( i ). I have never given Credit Collection Services direct consent to furnish a consumer report on my behalf which also violates 15 USC 1681B ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am writing to urgently request the documents related to a dispute I raised on XX/XX/2023 regarding a {$2500.00} unauthorized transaction on my Venmo account. I am deeply concerned that Venmo 's response has not been in accordance with Regulation E, which mandates timely provision of dispute-related documents to the accountholder. 

On XX/XX/XXXX, after receiving the verdict that my dispute was denied, I initially reached out to the email Venmo provided ( XXXX ) requesting the documents pertaining to the disputed transaction. As per Regulation E, financial institutions are required to provide these documents within a reasonable time frame, typically within 10 business days. However, it has now been over a month since I made the initial request, and I have yet to receive any response or the relevant documents from Venmo. 

On XX/XX/XXXX, I attempted to contact Venmo yet again through their general customer service form, specifying all of the information included in this complaint, and requesting that they send me the following documentation : 1 ) A detailed transaction history related to the disputed transaction.

2 ) Any communication records related to the transaction in question.

3 ) Any and all evidence or supporting documentation related to the dispute.

, as well as requesting that Venmo acknowledge their previous failure to comply with Regulation E and provide an explanation for the delay in delivering the requested documents. However, I received a general response directing me to check my dispute status through their website/app, which does not contain any of the documents I requested, and failed to acknowledge their Regulation E violation as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has ignored my request, it is now more than 45 days and no response is received. please refer to the documents attached in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2020, I financed a XXXX XXXX for a total cost of {$31000.00} without having my rights fully disclosed to me. I was unaware that the finance charge is the sum of all charges including gap and warranties ( 15 USC 1605 ). There has also been multiple violations such as, but are not limited to, high apr, false mileage, misleading information like stating that the gap and warranty comes with the vehicle as if there was no way for me to opt out but turns out that I could have, falsely advertising XXXX down and low credit but obtained a down payment from me, not all documents states Sport, insurance was provided by the dealership however not stated within the contract. 

On the Gap and Warranty page, the odometer is written as XXXX, however on other pages, it is XXXX The APR within the contract is XXXX, which is too high in Florida. It should not be above 18 % Pursuant to XXXX Usurious contracts Finance charge - {$13000.00} Amount financed- {$16000.00} Total of payments- {$29000.00} Total sale price - {$31000.00}

Company response to consumer: Closed with explanation