BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Ive been a victim of a rental scam and I have lost a total of XXXX $ i used my Chime account to pay this person. Chime cant help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX - I applied for a loan online based on their website apply online and have it directly deposited into my bank account the same day all completed online. After applying for the loan, I was then told through the online website that to get the loan same day I would need to physically visit a local location otherwise, it could be directly deposited into my bank account within 3 business days. This was misleading and did not meet my requirements, so I decided to not proceed with the loan. I tried logging back into my Speedy Cash online application and received warnings that my email address is invalid. I also did not receive any email confirmations. I have tried contacting the company both via email and phone with no response. Since I heard nothing and received no confirmations back, I assumed my application was terminated since I did not agree to have it directly deposited or visit a physical location. 

XX/XX/XXXX - Still no response from Speedy Cash, they went ahead and processed my loan without my consent and directly deposited into my bank account. I did not authorize this and again have tried contacting the company via email and phone with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: BOK FINANCIAL CORP
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my account was closed and paid full on XX/XX/XXXX but the credit report on XXXX still show " late payment from XX/XX/XXXX till XX/XX/XXXX ''. this caused my house loan delay and can't apply the loan from XX/XX/XXXX till now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Early Warning Services, LLC
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:
Early warning systems has accounts that were open up fraudulently in my name and has refused to acknowledge that Ian a victim of identity fraud, I have sent numerous letters and information proving the identity theft and Im being ignored by this credit reporting agency I want all these accounts removed I do have an attorney who I have hired, I have sent several documents showing my information was compromised and that information has been sent many times, I will keep this complaint as proof of my demand is not met of having these fraudulent accounts removed I will sue In arbitration and force these accounts to be removed and ask for damages to be paid and correction of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was originally with a different company. I provided a police report proving identity theft. Now the debt is transferred to new company. This is unethical and I feel should be agent the law,. I provided prof and this is not my phone. My purse was stolen with ID ans social security cards back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was just looking at my equifax credit report and my personal information has been updated an dis correct but I have a account that needs to be Removed immediately. I have never had a card or any kind of business with these companys. I know that I have the right to a Fair and truthful credit reporting experience. I was sent a letter in the mail about this company. The information was incorrect. It had a differnt Name and account number. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 or 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 2022-11-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction.

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-08-26
Company: January Technologies, Inc
State: CA
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:
These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to January Technologies for collection.

January Technologies never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff Experian no one asked you to remove stick to the request nothing more!!!

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 2023-11-13
Company: EQUIFAX, INC.
State: TX
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:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. 
( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced the loan # XXXX M & T bank on XX/XX/XXXX. I was due an escrow refund in the amount of {$2300.00}. It was never received. The financial institution continues to give me different information each time I call. They are claiming each time i call to put in a request for the refund it is 30 business days before they will process it. I called on XX/XX/XXXX and they assured me the check had been cut and verified the mailing address. Today XX/XX/XXXX they claimed that the address was not updated and XX/XX/XXXX makes the 30 days from request. I need help

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: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX XXXX account number : XXXX, XXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : 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 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 2023-08-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XX/XX/23 I called Synchrony Bank ( XXXX ) to inquire as to whether they would close XXXX XXXX XXXX CD accounts and waive any penalties. Note : I closed another CD at another bank and they waived my fees so I called knowing that some banks do this. I spoke with XXXX, who assured me that yes, that could be accomplished. She said they would close both accounts incurring no penalty and move the funds into a " standard '' account. Then I could withdraw them or do as I wish. XXXX, then said XXXX, in the XXXX XXXX would assist in taking it from there. XXXX said they could not honor what XXXX told me and that she probably had was not trained well. I told him, I feel they should honor what I was just told. I told him to listen to the recording as I had XXXX repeat that there would be no penalties, whatsoever. He said his legal department would have a look at this. Then, on XX/XX/23 I got a call from XXXX from Synchrony 's XXXX XXXX. She lied and said XXXX told me there would be penalties. I don't think she listened to the recording ( or just lied ) because I am 100 % sure XXXX NEVER mentioned ANY penalties, I would be responsible for. I actually had XXXX repeat that there would be no penalties ( on the recording ) so that there was clarity in what we had just agreed on. I requested a copy of the recording because I KNOW what was said! XXXX refused. Synchrony should stand by what was agreed to ( on a recording ) and allow me to close my accounts without penalty.

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 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HARD INQUIRIES from EQUIFAX 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 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) Transunion is reporting a duplicate on this account as XXXX  partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.

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