BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter from Complete Payment Recovery Services states my company XXXXXXXX XXXX owes money for a check cashing service provided by XXXX, whereby they allege my payroll check was dishonored. The check has cleared my bank and was paid.

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 2022-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unauthorized account was opened in my name, maybe close to six years ago. XXXX  XXXX bank originally opened up said account, which was unauthorized and unknown to me. 

However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus. 

I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me. 

However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank. 

Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt. 

How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer. 

Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt.

My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings. 

This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached! 

This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: LEXISNEXIS
State: AR
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:
XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she or he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-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 2023-09-15
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:
On XX/XX/XXXX I filed a dispute totaling $ XXXX charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again today XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So k contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

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 2023-12-15
Company: Hanna Holdings Inc
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
: I filed with XXXX XXXX XXXX  and they said she did violate my rights and ethics code violation. XXXX XXXX has tons of violation. I also found out she charged me fees that I had no idea about. And the seller of the house I bought didn't tell me of issues that had happened prior to sale. So far I have spent a ton of money fixing things he did not tell me about. I also filed with XXXX XXXX XXXX and he ignored the complaint. XXXX was not working as my agent should have. I also found out she illegally took money from me that was never talked over or authorized. I have paid more of my money that should not have happen.She also threatened to end the sale after I refused to pay a 3rd party. I was given a very bad deal.I also paid XXXX over the price for a washer, dryer and stove.The items did not work. I ended up having no choice but to buy new items. I was also not told truth about the cost needed to be replaced. I am limited income and so far all my money was taken by XXXX XXXX and the home owner.I bought this home in XX/XX/2023. So far in just replacements, trash removal, fixing the entire home electric installed a hearer, redid the pipes, bought a new stover, washer, dryer and fridge.I have paid over XXXX. And more in the mean time.So I am seeking to sue for her fee of XXXX plus, all the money that was put into the home so far and to come. Due to her negligence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-06-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THE LISTED BE REMOVED TO CORRECT MY CREDIT FILE I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

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 2019-01-14
Company: JPMORGAN CHASE & CO.
State: IN
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:
On XX/XX/2018, a fraudulent chase quickpay payment for roughly {$780.00} was attempted which caused Chase Bank to automatically freeze my account. I went into the branch the next day and transferred everything over to a new checking account. While I was there they noticed another fraudulent quickpay payment went through my " frozen '' account for {$780.00} ( almost exactly the same amount as the charge that originally froze my account ). I submitted a dispute and over a month later Chase responded by stating that the charge was authorized and that the money will be removed from my account. 

I immediately phoned the Chase claims department and talked to two different representatives who stated there is nothing that I can do as it was deemed an authorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
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 status incorrect

Complaint:
I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX was paid in full, they were only paid late because of their insurance and its ineptness not due to any fault of my own. They have refused to fix the status of the account for years. 

I am simply asking now to be accurate across all 3 bureaus. My issue is with Equifax who shows this debt is unpaid when it was paid IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 I was approved for a COVID Relief Mortage Modification, but it required my ex-wife to sign the documents. Because I had an injunction against her that was not possible, so I explained that to the bank rep, and they requested I provide my final divorce decree, so I did. 

Next, they requested I have my ex-wife sign a quit claim deed. However, the County Comptroller informed me that the recorded deed did not have my ex-wife listed, so a quit claim was not required. That was explained to the bank rep and a supervisor, but they insisted they had a deed with her name listed, so I requested a copy of the document and received the " Mortgage '' instrument, which was also recorded with the County Comptroller, but the comptroller explained that was not the deed, but a security instrument on the banks behalf that only they can modify. That was explained to the bank rep, but they insisted I had to submit a quit claim deed. I further explained to the bank that the final divorce decree states it may be used in lieu of my ex-wife 's signature to modify the mortgage because she failed to comply with the judge 's order to sign the document. The bank rep notated the account and informed me it was going to be reviewed by their underwriting department. 

Those events spanned approximately 5 months before I received yet another letter requesting a quit claim. I did not know what else to do and my account changed from " Loss Mitigation '' back to delinquent.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PERSONAL INFORMATION NEEDS TO BE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX IA XXXX EMPLOYER : NONE PHONE NUMBER : XXXX EMAIL : XXXX SPOUSE : NONE AND ANYTHING ELSE NEEDS TO BE DELETED ON EXPERIAN, 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 2023-02-21
Company: Experian Information Solutions Inc.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2019-11-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX  in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX-XX/XX/XXXX.

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXX and paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

Experian, XXXX and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.

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