BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is trying to collect on debt I do not owe. I never signed up for this services. Please provide a signed contract with my name where this exact service is stated or remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/XXXX I disputed the account and was notified the account would remain. No other info was provided. I called and was able to get information about the account. It is for XXXX account in California. I have proof of residency and employment history that shows I have never lived in California and the account is not mine. On XX/XX/XXXX I disputed the results with said information and again was said to remain. No proof has been given that the account is mine. 

On XX/XX/XXXX I filed a complaint through this system complaint id XXXX Because I got the government involved, Experian removed the account from my credit report as they have no proof it is my account. I imagine the account either has a name similar to mine or close to my SSN - but it is not me. 

The end of XX/XX/XXXX the account has returned back onto my credit file. I disputed and received the results would remain on XX/XX/XXXX despite providing the information from previous disputes. 

Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2022-05-17
Company: EQUIFAX, INC.
State: CT
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:
Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was XXXX and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 INQUIRY NAME : XXXX  INQUIRY DATE : XX/XX/2023 2 INQUIRY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 3 INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 - [ ] 15 U.S.C 1691 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 an account without my written instructions.

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 2021-10-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
The company venmo  confiscated {$1400.00} of mine and they won't tell me why but they've had it for around 180 days. I've discussed this within numerous times and they refuse to tell me why please help me in this matter. This happened around XX/XX/XXXX and I believe it's going to be 180 days on XX/XX/XXXX. I've submitted my IDs and everything they've asked for and they still won't comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: MI
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 has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer Experian and XXXX to do the same.

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 2022-10-26
Company: EQUIFAX, INC.
State: MD
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've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: NC
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 have submitted two requests to CFPB and one to XXXX. I have also reached out to my elected reps. Mohela sent me a letter about my prior requests essentially saying that my XX/XX/XXXX and XX/XX/XXXX administrative forbearances do not count toward PSLF. 

However, on the PSLF XXXX group there are other people who have had their past short term admin forbearances count toward forgiveness due to the 65904 Federal Register published in XX/XX/XXXX. 

All that I am requesting is Mohela to directly address this Register in writing and how it relates to my loans. They refuse to answer my question about this Register. 

As an aside, Mohela told me to apply for the Buy Back program, which I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Chime Financial Inc
State: VA
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/2023 I opened a dispute with Chime Financial regarding a {$350.00} charge from XXXX XXXX. The insurance company overcharged me and I needed to have Chime step in to recover my money. On XX/XX/2023 I called for an update on my dispute and was informed by a live agent, that I needed to have my dispute re-categorized. I agreed to having the dispute re-categorized and thats when the problem started. Chime does not answer questions, they just read or send the same script to any and all questions. I contacted the XXXX XXXX Accounting Department regarding my dispute. XXXX provided me with a letter stating the charge for {$350.00} had been reversed to my canceled debit card. I uploaded the letter and a screenshot of the reversal to chimes customer service portal, as I had not been issued a provisional credit or refund after my initial filing. My frustration is that Chime does NOT communicate with its customers or answer intelligent questions. I was told to email my questions to Chime support. However, I am not getting answers to my questions. Im simply getting the same form letter with the authors name changed. Chime is not transparent with their customers, they do not protect their customers, nor is it easy to get any questions answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-12
Company: Americor Funding, LLC
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:
XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( Account name & # ), has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states I have a right to privacy. 
15 U.S.C 1681 Section 604 A section two states a consumer reporting agency can not furnish my account without my written consent. 
15 U.S.C 1666B : A creditor can not treat a payment on a credit card account as a open-end consumer credit plan late for any purpose. 

Please remove these late payments and update this account immediately as you are in direct violation of The Fair Credit Reporting Act.

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 2022-01-19
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have filled out 3 separate Hardship applications and still awaiting a solution. Yet they have negatively put this on my credit knowing the hardship. I have called daily to find out what is going on and to see if we have a resolution. But have received no feedback. I last communicated with XXXX and transmitted all the requested documents that apply to my circumstances. I asked If there's anyone that can provide me the status of the application as this is now reporting negatively on 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 2020-11-25
Company: EOS Holdings, Inc.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-14
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXXXXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, 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 2023-06-01
Company: BARCLAYS BANK DELAWARE
State: SC
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:
Someone used my credit card without my authorization, They changed all my information on my account without my authorization. This credit card company states that the only person who can change information on my account is me- therefore Barclays of Delaware allowed someone to change all my personal information on my account- causing me to be locked out my own account. This is a breach in their privacy policy act and now this company wants me to pay for their mistake. My card was used without my knowledge or conssent and this company talks so rude when I called to report it. This company made me feel like I DID SOMETHING WRONG FOR STOPPING IT. Now this company has tottally messed up my credit report and put this account as a chargeoff now its on my credit report. I have sent in numerous letters asking for validation, and alot more things but this company just states the debt is mine along with the 3 major credit reporting agencies. I HAVE REACHED OUT TO IDENTITY FRAUD.GOV, AND NOW YOU AGAIN. Just because I am a foreigner to this country- I GET TREATED SECOND HAND AND LIKE A LIAR. This credit card company has every phone conversation and I asked them to play back all phone conversations relating to this Identity fraud phone call and tey tell me that can not do that. Only because they are in the wrong with this and this company breached my rights and my Privacy and it can be determined in that phone conversation. I HAVE ALWAYS PAID MY BILLS ON TIME AND THEY KNOW THIS -- MY PAYMENT HISTORY WITH THIS COMPANY SPEAKS VOLUME AND I CAN NOT BELIEVE I AM GOING THROUGH THIS WHEN IT IS CLEARLY NOT MY FAULT AND ALL CHARGES WAS UNAUTHORIZED -ESPECIALLY ME GETTING LOCKED OUT MY OWN ACCOUNT. COMPANIES SHOULD NOT BE ALLOW TO DO THIS ANF GET AWAY WITH THIS. Also, I have XXXX and they told me that my account and my personal information had been changed not Barclays Bank of Delaware.

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