BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2021-04-04
Company: EQUIFAX, 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:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to at all.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby daughter. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house and brand new car off the lot like she deserves. please resolve this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX- XX/XX/XXXX 2. XXXX- XX/XX/XXXX 3. XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX 9. XXXX- XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX- XX/XX/XXXX 13.XXXX- XX/XX/XXXX 14. XXXX XXXX XXXX- XX/XX/XXXX 15.XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25.XXXX XXXX XXXX XXXX Account XXXX : XXXX 26. XXXX 27.XXXX 28 XXXX XXXX 29.XXXX XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
ON XX/XX/XXXX, XX/XX/XXXX, I REQUESTED I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. ON XXXX  DATE LAST REPORTED IS XX/XX/XXXXXXXX  PLEASE REMOVE FOR FAILURE TO UPDATE AND COMPLETE investigation IN THE allowed TIME EXP AND EF HAS ILLEGALLY ALLOWED THE CREDITOR TO REAGE MY ACCOUNT BY A YEAR PLEASE REMOVE THIS ACCOUNT FOR VIOLATION

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 2023-02-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
In XX/XX/XXXX i was contacted by Genesis Collections  trying to collect a debt from XXXX. I informed them then that this was not my debt and that police reports had been filed, a complaint was filed with the FTC and the original Creditor was notified about the filing and the identity theft. On XX/XX/XXXX Genesis Credit Management and Columbia Debt Recovery at XXXX have reported this fraudulent debt to my credit report inspite of them being notified that the debt is fraudulent and them being notified that all communication with the original creditor as required by federal law has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: FIRST PORTFOLIO SERVICING 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:
Hello this application was withdrawn please have this removed! I also have proof if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 first 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, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX THE BANK OF XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
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 multiple 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 alleged fraud or extortion. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had deposited a check to my Bank of America account it went through then I see that my account went XXXX and then I got an email regarding the check that it would either not work or I would refunded the XXXX into my account once it was looked at and verified I wake up this morning to check my account and I got a notification on my banking app that my account was locked I called and I was told that Bank of America took it upon themselves to completely deleted my account because of fraud I told them I didnt care anymore about the XXXX Im guessing that the check wasnt good which me and boss understand but after that i just told the representative from the bank that I wanted to have my account back because I have my family send me money and where I live I dont have a Bank of America close by Id have to drive XXXX XXXX to Bank of America keep in mind I dont drive and I dont have a car I dont even have family here in Ohio I just want to keep my account and have my debt card working they wouldnt even provide me with the reason as to why I wasnt notified by email nor have I had the help Im looking for

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 2023-07-06
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Contacted company multiple times regarding the same issue and still no results. The refuse to follow the law 's. I sent in all the supporting documents for them to see in order to removal of the inaccurate information that's reporting on my file.

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 2022-04-05
Company: Credit Karma, LLC
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my taxes sent to credit karma. I transferred all my funds to the savings account and didn realize I could only withdrawal 6 times a month. So I closed my savings account with credit karma on XX/XX/XXXX and was told I would receive a paper check in mail within 7-10 business days. It is now 15 days and still no check. On Sunday XX/XX/XXXX I was emailed and told my check was delivered after complaining and emailing asking for tracking number or where my check was. Now they are telling me that it was delivered and someone from the specialist team will contact me thru email because they don't have a phone line to communicate thru. That was 6 days ago. I have called every day since multiple times with different responses and them transferring my call back and forth between the same 2 representative. I have been recording our phone conversation for that purpose to prove it's the same 2-3 people I am talking to. Except they keep changing their names. I can also hear ppl laughing in background while on a business call about my funds which is very unprofessional and sketchy. I just want to know where my check is. It is XXXX dollars. And need that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Experian credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. 
The FTC states Date of first delicacy ( DOFD ) are to be removed from your credit report within 7 years from XXXX. MO revised Statue collection dates has expired. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 

XXXX XXXX XXXX using the Date of Last activity XXXX XXXX when they were XXXX from my chapter XXXX ) to keep account on my credit report not Date of First Delinquency to remove it. 
This is causing XXXX harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till 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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX : {$370.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$300.00}

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 2020-10-01
Company: JPMORGAN CHASE & CO.
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:
Chase Bank has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. Chase claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to Chase bank was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I  request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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 writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2023-10-19
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I withdrew from an ATM on Sunday, XXXX XXXX The transaction was {$160.00}, plus {$2.00} in withdrawal fees charged by Chime. Because I was distracted, I took too long to take my money from the ATM, and the ATM took the money back and rejected the transaction. I called Chime, and they said that I had to wait until the transaction cleared, and then file a dispute. I did that, and they denied my dispute XXXX times, even after I explained to XXXX different people exactly what happened, as well as provided the name and contact info for the bank. I don't believe they actually called the bank to verify that the money was taken back. It makes no sense as to why my dispute would be denied. After the XXXX time I reopened my case, I could tell they didn't bother reinvestigating, because I got a rejection letter as soon as I got off the phone with the agent who re-opened ( allegedly ) my case. This is absolutely ridiculous and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
XX/XX/. XXXX I canceled 2 XXXX XXXX orders for {$25.00} each. Totaling {$50.00}. I disputed the transaction and they credit it the money. 3 months later in XX/XX/ they charged me again saying the transaction was valid. I have proof I canceled it.

Company response to consumer: Closed with explanation