BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2023-07-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 2022-04-05
Company: Chime Financial Inc
State: TX
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/2022 I was notified that the phone # on my account had been changed to a phone # that I have never been associated with ( XXXX ). I immediately contacted the bank to notify them of this. They told me that they were unable to change the # back without specific documentation and froze the account. I attempted to provide the documentation ; however, it was still not sufficient, so at this point I had lost all access to my account since it logged me out. I had 3 accounts with Chime, a XXXX, a XXXX XXXX, and a XXXX. Through my XXXX account I was able to see the transactions that the hackers transferred all funds from the savings and checking into the credit builder and then made two transactions totaling {$2600.00} ( one for {$230.00} and one for {$2300.00} ) to an XXXX XXXX XXXX in XXXX on the card ending in XXXX. I immediately called and disputed the transactions. I was told that they were pending and if they went through then the dispute process would be started and could take up to 90 days. After I hung up from that call I received an email that they proceeded to close all of my accounts. This made it to where I could only communicate to them through email. I sent several emails that went unresponded to. Finally, on XX/XX/XXXX I sent another email that they provided some basic information regarding their disputes process to. Today, XX/XX/2022 I received notification that they have denied my dispute and deemed these two transactions as legitimate. I spoke with the bank yet again and they stated that I am required to provide additional documentation in order to prove that I did not do this. I am not sure what other documentation I can provide at this time since I did not make these transactions. The account was frozen on XX/XX/XXXX when I attempted to buy groceries at XXXX on XXXX XXXX in XXXX, XXXX  ; however, the hackers were able to use the card the very next day. I am unsure how that occurred if the account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX XXXX that you are reporting in 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 explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
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 2022-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
SO MANY TIMES I CALL EXPIRIAN TO DELETED ADDRESS IS NOT BELONGS TO ME THEY REFUESED I SAID THAT I HAVE TO DISPUITE DIRECT WITH THE SOURSES. WHEN I ASK THE SOURSE THEY REFUUSED TO TELD ME WITH CREDITOR REPORT THAT ADDRES THE ADRESS IS NOT BELONGS TO ME AND IT HAS TO BE DELETED IS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I NEVER BE ASOCIATED WITH THAT ADRESS

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 2019-02-15
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a sign on bonus and expense check from my future employer. I made a mobile deposit to my personal checking account with Chase Bank. The bank notified me that the deposit was received and the funds would be available the next business day XX/XX/XXXX, I received a second notice that a hold was on that check and the funds would be made available on XX/XX/XXXX. I was never given any of the funds from this deposit. On XX/XX/XXXX a letter was written to me from Chase explaining that the check was being returned and the funds were being subtracted. On XX/XX/XXXX my direct deposit was made to the account, a payment was scheduled to be deducted and I had access to some funds that I used to send a XXXX to my husband. On XX/XX/XXXX another deposit was made to my account and a return/refund deposit was made to my account for a transaction requested on XX/XX/XXXX. On XX/XX/XXXX I showed available funds. I tried to use the funds by sending a XXXX but the transaction was declined by sender. I then tried to use my debit card and the transaction was declined. I contacted the bank and the phone system said the same funds I was seeing in my account were available for use. I contacted the customer service and they explained my account has been closed. He transferred me to the specialists to discuss. They said because of the check I deposited on XX/XX/XXXX my account was closed for fraud and funds are not available to be released for 1 business day. I waited the business day and on XX/XX/XXXX I again attempted to access those funds that show available to me. I called again from customer service to fraud specialists and they told me that I could close my account at the branch today and they will disburse my funds. I went to the branch and the teller said the hold prevents her from being able to access the funds or close the account and I need to wait to speak to a manager. I called back again to the fraud team while waiting for the manager and they explained that they have to wait for the hold and all the steps to request the hold removal have been satisfied they are waiting for the computer and it will take another business day. They never gave me any of the money and I cant use the funds from my other deposits even though all systems say it is available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
Equifax has stopped reporting my credit scores for years I have tried to fix the situation multiple times. I have called in asking to speak to supervisors and each one them have not helped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: NV
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 disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. Equifax according to credit karma reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My banks phone number was spoofed, and a scammer called me acting like my bank to gain information about my account. They retrieved information by claiming to be the fraud department. They took my information and wired themselves {$9800.00}. After investigation, my bank only partially refunded me my money and when I called about the remaining money that was owed to me, I was told that I was not going to get my refund because it was my responsibility for the wire transfer. I asked to put the case under re-review and it came back that it was still not deemed as fraud. I have the phone number that the scammers used to scam me.. to add that the scammers also ported my phone so that every call or text message that I received was sent to their phone. Again, I have the number that was used, It is recorded by my bank that it did look like someone from USAA called me but did not leave any notes about the call which goes against protocol. Even the representative said that it was odd that there werent any notes about the call, so they deemed it as a scam call and labeled it as a phishing call. This has been going on for almost two weeks and I have not been given a direct answer as to why the fraud department clarified it something that was not fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy 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 2021-04-03
Company: EQUIFAX, INC.
State: WA
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:
My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Affirm Holdings, Inc
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXX XXXX . In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Waypoint Resource Group, LLC
State: NJ
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:
Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address

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 2022-08-18
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXXXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-06-28
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation