BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Chime Financial Inc
State: MO
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:
I became aware of unauthorized transactions against my CHIME Checking Account associated with a VISA Debit Card. These charges were reported to CHIME on XX/XX/2023. CHIME was asked to file a Fraud Case. I verified my identity and I had my old card deactivated. 

CHIME was sent the Supporting Documents to back my fraud case on XX/XX/2023. CHIME was also called by phone, I requested a member of management of the Disputes Department in which I never was able to speak with management.

I have provided more than enough compelling evidence to back my claims. I also feel CHIME has ignored my docs, and my verbal request for management. 

I want my case reopened, I want this escalated and I want my evidence reviewed again. 

These charges are from out of the country and appear to be from an online account that was NEVER set up by me nor was the account ever activated and or verified. Funds should have never been taken without Account Verification and or without Identity Verification. 

Amounts withdrew fraudulently on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS Account Resolution has claimed I am in debt for {$110.00} on XX/XX/2002 and flagged my credit account with multiple credit bureaus for " collections '' effectively dropping my credit score by XXXX points. When I was contacted YEARS ago about paying a medical bill, I informed the woman on the phone that the bill was covered by my insurance through XXXX XXXX, and said I needed proof of debt by mail so I could dispute it properly or pay it if my healthcare provider confirmed it was still outstanding debt. I heard nothing back from ARS since then, and never received any proof of debt through paper, or any other mode of communication like I asked for. Years later a collection account is opened and all relevant credit bureaus now have record that I have unpaid debt.

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: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with XXXX XXXX XXXX XXXX XXXX XXXX  for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my XXXXXXXX XXXX  within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting 6 missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX  and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXXXXXX XXXX for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.

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 2023-08-13
Company: EQUIFAX, 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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-20
Company: Accurate Background
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: Report provided to employer without your written authorization

Complaint:
I honestly dont know entirely, Im not understanding why theres a theft that shows up on my background check for an employer. I know my payments are behind, but theft charges showing up on the will keep you from getting a job quicker than anything and the bank knows I lost my previous job and they cant get money i dont have. Ive told them Im going through the steps with an employer now to start working. But Ive not performed the act of theft period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX  XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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 applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/NAVI XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}

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 explanation
Consumer complaint received 2023-12-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law. 

Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ). 

I have attached a copy of your initial response, as well as the letter from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CITIBANK, N.A.
State: MD
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 did donate {$300.00} to an organization and by mistake they charged {$3000.00}, when they try to return the money back to their merchant XXXX, for the amount of {$2700.00} I never received it and I proceed to place a dispute, after a month my money has not been returned to my account. Than The organization decided to return the total amount of {$3000.00} and he stated that XXXX closed his account, so now looks like the merchant XXXX keeps the money as per Citibank from where my card is issue. I have been calling CITIBANK several times and they keep telling me they don't have the return yet, and asking me to send proof, which i did send. it looks to me that CITIBANK is not willing to help me, After 3 months I dont have a resolution of this matter from any of the merchants involved. please help me to resolve this problem, my charges in the credit card keeps showing i own this money, Thank you

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 2019-06-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC has been reporting erroneously for years in multiple ways. 
Currently, after many letters, Midland Funding reports first major delinquency on XXXX as XX/XX/XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all Midland Funding LLC. 
The parent company is MCM Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early XX/XX/XXXX 's which was in good standing until the last year. An XXXX in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Credit Karma, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told by XXXX XXXX that I was pre-approved for a credit card. I was then denied by that credit card company when I applied and my credit score went down. I would never have applied for the credit card had I known I was not actually pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submit to another background check to do XXXX eats for XXXX. I consent to a background check with checkr that I assumed would only go back 7 years as they previously did. Checkr supplied adverse information on my background report to XXXX from 20 years ago. XXXX does not pay $ XXXX a year and I have never earned that from XXXX or any employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my wife and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Block, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/, Several charges were made to my card from the Cash App company in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX to a company called XXXX XXXX which I never authorized and only XXXX of the fraudulent charges was reveresed and all other denied several times, without any resolution. I've called support several times for help and still am left without any of my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
when i visited XXXX all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.

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 2023-03-30
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 
Mohela did not process my PSLF application for my current employer. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I have attached a copy of my application below. The identifying information has been redacted for my security but was present when faxed to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX. Thank you. 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 2023-02-14
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: SC
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:
I contacted the bureaus inquiring about hard inquiries listed that i don't recognize, there hasn't been positive resolution after multiple attempts. 
also tried to remove inaccurate personal information with zero success

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