BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.

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 2023-01-07
Company: Klarna AB
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove it. 
Account : XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have been trying to update my wives new phone number and get her pass word changed on her account with chime. We have been sending them copies of her new version phone bill, drivers license, ssan, and picture of her holding documents with currents date for three weeks. They still have made changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2020-02-15
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. OnXX/XX/2020. I had sent money to a lady named XXXX XXXX on PayPal account ( XXXX ) The first amount was {$1000.00} and the second one same day was {$100.00}. Altogether it was the amount to {$1100.00} Her partner XXXX XXXX advertised for an apartment for rent XXXX XXXX XXXX  XXXX AK for {$500.00} security Deposit and {$850.00} for rent. Altogether {$1300.00} and I was {$250.00} short and they said I can pay when I go to XXXX. 
The number they gave me was XXXX for XXXX and my bf and I would text him since then and even before payment since ending of XXXX to XX/XX/2020 when I received last text. He was the person who gave me her info to send the money. His email address that they created for me to contact them on emails were ( XXXX and XXXX ) On XX/XX/2020 in the morning when I woke up. I texted and asked them to meet my bf to go see the place and get the keys. He never replied. I emailed both emails and no reply. I tried to call and no answer. I told them if they dont reply that I would call XXXX and file a scam report. My bf wasnt happy because he figured they were scamming us for fraud! When I tried to call again. The phone number was disconnected and the emails didnt work anymore. 
I told my bf and he tried to fill out a report with XXXX XXXX Police Department but it was under my name. I then went to PayPal and filed a dispute on both transactions and told them that it was a scam and they stole my money! I wanted my money back because it wasnt right! Those people scammed us and fraud us for money and used a place that wasnt theirs! Later that day in the afternoon I got an email back for both transactions and said that they denied and denying my case for my refund because this transaction was unauthorized. 
This was a total scam! Its not right for PayPal to hold back my full refund and let these scammers win! I filed a police report online and idk what they will do to the people if they ever catch them! I put the stuff on fb to warn other people. I filed another complaint with the Feds in XXXX. Now I am coming to this place for help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Resurgent Capital Services L.P.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LVNV FUNDING, LLC. $ XXXX XXXX. 
COLLECTIONS OF A DEBT PASSED THE STATUTE OF LIMITATIONS IN WY. 
INCLUDING FEDERAL STATUTE OF LIMITATIONS. 
DISCHARGED IN BK # XXXX JOINT ACCT. 
*DISPUTING THE ILLEGAL COLLECTION PRACTICES OF THIS FIRM. *

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I already submitted similar complement before. However problem was not resolved comptly I want free to be reimbursed for all periods not just one month because it is not due to banking error but misrepresentation. 
I also can resolve all your Bank problems if you make CEO of your company or I will make your bank public institution

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 2023-02-14
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got the car on XX/XX/XXXX and I have tried since XX/XX/XXXX that they cancel contract. Because I can't make 184 a month and I told them that plus I am a patient at XXXX XXXX XXXX i bipolar manic depressive and classified XXXX XXXX XXXX XXXX and I did not understand the contract fully a person that is unable to pay debts can not enter into a contract and a person with psychological disability can not enter a contract the credit acceptance corporation will not listen I tried telling them my medical condition but they still won't void the contract i did understand the contract and not able to pay I have someone that helps with my bills and won't pay a car payment when the buyer is mentally disabled I need this contract voided and I need my car back I was on medication when I. Went to dealership and I went there to find out if I could get my XXXX fixed then all sudden I'm signing papers I don't remember doing

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 2020-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I open an bank account & told my personal banker : 1. My identification was stolen twice. 

2. I'm an XXXX free agent ( XXXX XXXXXXXX XXXX ) & my salary is {$54000.00} for the seaon in XXXX. 

3. I'm an XXXX resident & XXXX XXXX that needs to get home, XXXX XXXX. 

Years later I've prove with more evidence, I'm XXXX still in XXXX while the Chase bank branch is now closed. I scanned my documents to prove they have no attention of approving my credit card so.I can go. Home. XX/XX/XXXX I sent more evidence of my identification theft & need to get home to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rented through XXXX XXXX XXXX in XXXX XXXX XXXX Florida. After moving out, I was asked to pay a fee of {$870.00}. I paid the fee within a week. It was still sent to collections company of Hunter Warfield.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a billing dispute over a charge I do not recognize. It would be refunded, then placed again on my account, then refunded, then placed again on my card. This occurred 6 times from XX/XX/2020 to XXXX XXXX in XX/XX/2020, I wrote a letter to the credit card company and the company that says they are due money. I have had no response. 
I don't recognize the charge, I was not provided with any information on what this charge is for. I truly do not understand how a company can allow a refund, then a charge - 6 times. 
I will be happy to leave Discover company, as they have not been in contact with me nor have they have been helpful. I have left this card open until I have this resolved with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.

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 2019-01-22
Company: SYNCHRONY FINANCIAL
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal credit is repeatedly calling numbers that don't belong to me and I never provided to them. I am in the process of filing for bankruptcy and want no further contact from them.

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 2023-04-23
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company Transword system incXXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXX dollars starting XXXX XXXX.The Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX XXXX  any Money XXXX I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion Consumer Solution will not delete previous old addresses off their Credit Reporting. I have notified request removal in two ( 2 ) letters ; one ( 1 ) Certified letter with Notarized documents with current mailing address. All other addresses that are not deliverable to me by the US Post Office are not reportable per the FCRA and are inaccurate information.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the XXXX credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the XXXX credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a XXXX credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments

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 2019-08-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?

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 2023-08-29
Company: EQUIFAX, 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief