BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
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 XXXX Account Number : XXXX - {$130.00} - exp 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 of 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 explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: OH
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:
My chase card was stolen in XXXX of XXXX. They are calling about payment and I do not have the card and haven't had it since XX/XX/2022 so I stopped paying. Fraudulent activity. I explained this and all they cared about was me paying them. This is hurting my credit now. I tried to tell them a year ago when I disputed it through another government site. I have no information about the account and can't access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: NCB Management Services Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've made several attempts to obtain additional information regarding the purported debt from NCB Management, specifically seeking evidence of the debt. Regrettably, no documentation has been provided to me despite my repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacted XXXX XXXX XXXX XXXX on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from Trans Union on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.

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: Cascade CISS Holdings, LLC
State: IL
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:
The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXX, XXXX  + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Mid-America Accounts Control Bureau, Inc.
State: NH
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:
On XX/XX/XXXX I submitted a dispute for a {XXXX} medical debt through XXXX. The collection agency was mid america accounts control bureau and the original creditor was XXXX XXXX.. the original assignment date was XX/XX/XXXX with original date of last delinquency XX/XX/XXXX. On XX/XX/XXXX the dispute was complete and came back verified as mine and other information added to my report. I got an alert from my credit service that a collection account had been removed from my report and a new one added on XX/XX/XXXX. It is the exact same account with the exception that they changed the assignment date to my dispute date so it shows as a new account on my report. On XX/XX/XXXX I disputed again and the next day I called XXXX and given the original creditor number. I called XXXX and finally confirmed what is one. I did have insurance but for unknown reasons it was not paid. I spoke with XXXX XXXX. And she said if I paid in full it would come off my report. I paid in full immediately and she confirmed mid america would remove off report. I then emailed mid america advising I paid in full and could you please remove account from report. The next day I received response stating she would need receipt of payment, how paid and when paid first. I sent my confirmation number along with receipt. And I also called XXXX again to confirm that they had indeed sent the information to mid america. They confirmed. I immediately emailed mid america of this and they provided my account number and it does indeed show paid in full.. I Emailed the vice president of the situation as it's still on my report with new open date, unpaid. My response from him was please don't use this email!. This should not be on my report. It looks like new collection account and it has ruined my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
In XX/XX/XXXX I applied for and received a loan from rise credit for {$1500.00}. Shortly after receiving this loan I noticed the fees/interest/charges that would result in me having to pay the company back over {$3000.00}. I contacted the company to cancel my loan request and for them to take back their funding. 
At this time they scammed and lied to me explaining if I made my payments on time that my pay back amount wouldn't be anywhere near $ XXXX that was " worse case scenario '' if I paid late/missed payments etc. 
This company is PREDATORY LENDING at its finest, in addition their representatives provide false information leading consumers to believe we are actually getting a great deal. 
After making my first payment of {$190.00} every two weeks, I realized what was explained to me was not accurate AT ALL and at this point, it was too late to cancel the loan agreement. I called several times and sent multiple letters attempting to work out a FAIR and reasonable payment arrangement to which I was met with nothing but hostility and refusal. This company scammed me over a {$1500.00} loan and has been reporting to my credit in the amount of {$3600.00} IN ADDITION to this Rise Credit/XXXX XXXX was also trying to double dip and reporting two accounts on my credit report that I NEVER had using the creditor name of XXXX XXXX XXXX XXXX.in the amount of {$2500.00}. This fraudulent account was opened on XX/XX/XXXX conveniently weeks after my account with RISE was closed on XX/XX/XXXX with only a {$20.00} difference in loan amounts I have sent all of this information to RISE/XXXX XXXX XXXX XXXX XXXX XXXX, I did not receive a response, however shortly after XXXX XXXX XXXX XXXX was removed from my credit report as if they knew I was on to them, how long would this have negatively affected my credit had I not caught on to what they were doing. ( See attachment with screen clipping from credit report showing BOTH accounts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report that I do not recognize

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 2023-09-06
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive made several attempts to resolve this matter. I have no knowledge of thus account. There are unauthorized collection on my report. In accordance to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I've already contacted the original creditors. The following are the collections on my credit report. Credit Bureaus : XXXX Account. 

Account number : XXXX Date opened XXXX XXXX XXXX  Account type Collection Status Collection account. {$210.00} past due as of XXXX XXXX 
Status updated XX/XX/2023 Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CREDENCE RESOURCE XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is 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 explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Money was debited from checking account on XX/XX/2023 using XXXX XXXX. As of XX/XX/2023, the bill was never paid. My payment is now late, and the lender is threatening to charge fees for the late payment and report it as a late to the credit bureaus.

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 2023-07-10
Company: Chime Financial Inc
State: NJ
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 Thursday XX/XX/XXXX my bank account was hacked. {$940.00} was taken. Chime is my online bank. I filed disputes only to get denied. I am not being given an explanation as to why. In doing some research I found out this has happened in the past with Chime. I just want my money back but don't feel I am getting the proper help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent out a Demand letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: Home Loan Center, Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is about an illegal advertisement on XXXX with clear RESPA violations. Lending Tree is advertising rates that are not available, not disclosing the terms to get these rates and no NMLS identifier. I found a number to call online and was told when I called in that this rate would cost @ 2 points, I would need a 780+ credit, and 60 % Loan-to-value. None of this is listed on the advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My personal information is being exposed to my credit report without being given my written or verbal consent.

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 2023-02-07
Company: HYUNDAI CAPITAL AMERICA
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: Public record information inaccurate

Complaint:
Hyundai has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
Hyundai is a XXXX company, For XXXX XXXX years, I was with them, the Hyundai finance XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because Hyundai finance XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX Hyundai Finance Company has been to many of us.

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 2023-09-07
Company: Experian Information Solutions 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

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 2023-02-25
Company: EQUIFAX, INC.
State: GA
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 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 2022-04-01
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:
Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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