BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; Personal Loan XXXX  originally $ XXXXPaid balance of {$3300.00} in full ( always paid by auto debit never late ) 2 : 4 credit cards total paid : {$2700.00} 3 : XX/XX/XXXX XXXX XXXX XXXX XXXX Paid in Full {$10000.00} COMPLAINT 1 : Equifax : XX/XX/XXXX : XXXX points Pay off XXXX  XXXX  {$10000.00} XX/XX/XXXX + XXXX points Decrease XXXX XXXX  {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The Equifax web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE XXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH EQUIFAX THE FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX Decrease Credit card balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON XXXX  SITE AND THERE IS NO OTHER WAY TO CONTACT XXXX FILE A NEW DISPUTE XXXX  PAID OFF XXXX  IN FULL XXXX POINTS the same applies here as all of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.

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 2023-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven y
ears.

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 2023-05-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was in a labor dispute with my union employer from XXXX till XXXX. I contacted the credit protection I was paying for on my harbor freight synchrony account and notified them of my issues. I didnt hear anything back, and got back to work paid the card off and forgot about it. Then I received a letter stating my payment will be posted to my account with in three days. I then realized that I in fact got reported late for my payments that were effected. So, I contacted them and requested my payment history be corrected on my reports and I applied to have the money that was now a credit on the account mailed to me. They sent me a letter asking me to prove I paid these funds about a week later. So, on my credit report it states 2-3 payments were late which I had credit protection so I should have no payments late or what is the money I paid for? Since then, they credited my account another 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 2021-04-24
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
On XXXX XXXX I was in an accident my car was totaled in a flood. I called my insurance XXXX XXXX to report the accident and they informed me my insurance had been canceled after many phone calls XXXX realized this was an error on their part. I continued to make my payments from XX/XX/XXXX to XX/XX/XXXX I did not want to ruin my credit even though the car was no longer in my possession. XXXX  paid Hyundai on XX/XX/XXXX {$13000.00} the gap insurance paid off the remaining balance on XXXX, XXXX my account was closed on XXXX I then received a collection alert from XXXX XXXX that I owed 2,330 I sent them a check for {$460.00}. I have spent hours with Hyundai and XXXX  on the phone. I went to buy a car today XX/XX/XXXX I was told my credit was XXXX it dropped from XXXX I have not had a car since XXXX XXXX I cant afford a lawyer to fight XXXX  and or Hyundai motor finance. Please help 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 2023-09-19
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently submitted a dispute from my Chime Checking account and debt card. 
On Friday XX/XX/2023 starting at XXXX est until Saturday XX/XX/2023 at XXXX my debt card was used in XXXX separate micro transactions of {$2.00}, {$5.00}, and {$10.00} for unauthorized/fraudulent purchases in the amount of {$920.00}. 

I have never made a purchase from XXXX. The last purchase made from my account was from the XXXX XXXX XXXX for a total of XXXX. 

I then attached screen shots from both my XXXXXXXX XXXX XXXX showing the last purchase I made and a screenshot from my XXXX account that show no purchases from MY account. You can also look through my transaction record and see that I have NEVER made a purchase from XXXX XXXX. 

Furthermore when I purchase things from the XXXXXXXX XXXX XXXX I always have to pay sales tax and none of these charges have any tax charged? 

I immediately called in when I awoke the morning of Saturday XX/XX/2023 to stop the charges. I was told by Chime Support that the could do nothing until the charges cleared. I was told to call back in when they cleared and start the dispute process. I started this process on Monday XX/XX/XXXX and have been denied twice already and they have not provided me with any information as to why I was denied. 

I then called into support and filed a rebuttal and resubmitted documentation with a statement explaining the situation with my own findings only the be denied again in less than 24 hours. 

Chimes response from an email I received : Support Tuesday, XX/XX/XXXX, XXXX XXXX  As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I am sure no error occurred, the fraudsters were able to take my money just fine. It was unauthorized purchases I was disputing not a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
problem is with XXXX and transunion they keep reporting 2 of my account as derogatory And delinquent when both account should be reported as paid charge off. I was denied credit because of there neglecting of transunion and XXXX. I what it repair ore remove 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 2023-09-17
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and discovered this account. I have no knowledge of this account. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crime 's 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 explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX  in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: The Receivable Management Services LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE RECEIVABLE MANAGEMEN XXXX XXXX XXXX XXXX, PA XXXX They are reporting to my credit and this was paid though bankruptcie

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 2023-09-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hi my Name is XXXX XXXX and my XXXX XXXXXXXX in XXXX in XXXX I was offered a forbearance for Covid after that Mr. Cooper refused any payments and tripled my payment amount and wanted a lump sum of XXXX $ would not take partial payments it went from XXXX $ to XXXX $ the house was in probate till XXXX so I could not get insurance until house was in my name could do nothing to change anything they put Forcloser on hold but now I am trying to do a loan modification it was a XXXX $ loan that had been done in XXXX by my Mom I paid it down to XXXX $ until Covid hit then twice they raised amount and would not accept any less money My Income is XXXX $ a month so XXXX $ I could handle but now they want XXXX $ a month I only get XXXX $ a month on XXXX Payments a Month try still refuse to take any amount of money and now there saying I owe over XXXX $ I am so upset and confused how they could do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile

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 2022-05-31
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems has report an alleged debt to the CRA 's without sending me a notice to dispute or any information so that I could verify the debt. This is a violation of my consumer rights. 

If your offices still believe that I own the debt, I respectfully request that you provide me with competent evidence that I have any legal obligation to pay the alleged debt to your company, original creditor, or anyone else. See the attached document ; Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature; Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account. 

Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State. 

Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules. 

Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: DISCOVER BANK
State: NY
Product: Credit 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:
MY CARD WAS LOST AND USED. CHARGES WERE MADE ON THE CARD. BANK DOES NOT WANT TO REVERSE THE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Millco Management
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this 3 times. They are reporting duplicate debts of {$300.00}, also listing it as unpaid. It is paid, and they should not continue to report duplicates. They were also doing this with a {$39.00} dollar charge, but finally they removed that duplicate, still not listed as paid though. 


Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: DC
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 several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief