BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 XXXX XXXX from the same XXXX entity, XXXX XXXX. The first one is for a XXXX XXXX XXXXXXXX they charged me for that is covered 100 % by my insurance. I received the XXXX XXXX in XX/XX/XXXX. Someone in their office miscoded it as just an injectable and not a XXXX XXXX XXXX so they are charging me {$140.00} when it should be 100 % covered. They are also trying to charge me for the office visit for that shot, which is also covered under the free birth control benefit I have. 

The second charge is for a {$25.00} office visit in XX/XX/XXXX that was actually just a phone call giving me the results of a scan I had. Not only are virtual/phone appointments free under my insurance plan, this also happened during COVID so I was forced to have a phone appointment because I was not allowed to go into their office. I have never heard of being charged to get told your test results. 

I have contacted the debt collector and it took him over 3 months to get a response to me and basically all he said is that the creditor says the debt is valid. There was ZERO research done into my insurance benefits and that these are covered items. They just simply said the amount is owed. I do not feel it is fair to have my credit effected over something I should have never been billed for in the first place. I have been trying to resolve one of these for almost 2 years now, and was ignored until it went into collections. Now the debt collector wont help me any further even though I can prove that I am not supposed to be charged for what they billed me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Good Morning, Recently I sent a complaint to EXPERIAN and they have totally disregarded my complaint and treated it as a generic complaint and responded with a generic letter. I sent them XXXX accounts from XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  that is being reported due to Identity Theft. They sent a letter quoting bits and pieces of FCRA and and left out the most important parts. I have tried to resolve this with XXXX XXXX and they have already surpassed their 30 day limit on being able to validate this debt. ALSO experian failed to validate this debt as well. I sent them the packet with all information needed for them to block and delete these accounts. According to FCRA that is all the information needed from me and they have also FAILED to meet the 4 DAY REQUIREMENT that it states in FCRA. Please take care of this matter.

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 2020-11-11
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by the company credence RM regarding an XXXX  account that we had a balance for coat of phones themselves and had switched providers. We agreed to a settlement amount that was taken from our bank account in XXXX of 2020. This was set up in two separate payment we received receipts and was with XXXX  mobile. We did not dispute account or amount. After a few months now in XXXX of 2020 we received a new debt notification from the same company in a phone call wanting to collect for " XXXX  wire '' I explained this was already paid and this was no longer an active debt. She said this was for a landline phone in which we have never had. I asked for a validation of debt letter and she said we needed to pay and they never got payment from us on anything. She would not listen to my request asking for proof. She would only respond with if you paid give me the receipt and account number after I did she said no that was a cell phone account this is a wire account which I believe is just wireless cut off. They have refused to dispute or to acknowledge payment of a previous account multiple times and will not send us proof of the debt before we pay. We were in the process of purchasing a home and now have a debt on credit that I can get no information on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of aacounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 og convictions od crimes which antedates the report by more than seven years. 

15 USC 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 2019-06-28
Company: EQUIFAX, INC.
State: FL
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an outstanding collections account with XXXX XXXX XXXX. The debt was reported on XX/XX/XXXX. My husband started a XXXX and when we lost everything he XXXX XXXX  leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {XXXX} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX  the truck I purchased thru XXXX XXXX stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.

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 2020-05-13
Company: EQUIFAX, INC.
State: FL
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:
Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Some years ago I lost my documents and my identity was stolen, after that, I have found accounts in my credit that are no mine. This is identity theft, these account must be removed from my credit profile immediately.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX of XXXX  the truck I purchased thru XXXX XXXX  stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX  XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
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:
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 Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX  MEMBER SINCE 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 2023-04-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed over 5 disputes regarding the same transactions since XXXX. Each time the claim was denied, I asked for the documents used to make their decision and have yet to receive anything. I paid for a vacation package with XXXX XXXX for over 2 years. The event was to take place on XX/XX/XXXX but was abruptly cancelled on XXXX XXXX via email. XXXX XXXX never answered the Customer Service number. Took over a month to get any response from them via email. Even though they offered a Refund, they stated that if a claim had been filed with your bank that they were no longer responsible. The reason for my claim was for Services/Product that was paid for but not rendered. The dates of the transactions are as followed : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$220.00} After submitting all evidence, including the bankruptcy filing, they have denied my claim yet again stating that no error has occurred. Most if not all claims were denied within a 24-48 hour timeframe. Which signifies that a thorough investigation couldn't have possibly been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a coat on Amazon for {$220.00} on XX/XX/XXXX. I returned the coat on XX/XX/XXXX. The return was not credited to my account so I opened a dispute on XX/XX/XXXX with Chase. Chase initially credited my account and then said Amazon rebilled on XX/XX/XXXX. My communication with Amazon was that they never rebilled. I reopened another dispute with Chase on XX/XX/XXXX based on my communication with Amazon. In the meantime Chase recorded two months of negative credit reporting.

Amazon repeatedly denied rebilling my account. My third dispute in XX/XX/XXXX explained the confusion. Amazon did not credit my card, they changed their website to default to an Amazon credit and I did not notice. 

I paid the balance and closed the account in XXXX. I would like the negative credit reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are credit inquiries on my Transunion credit report I have disputed these with no results I have not authorized these inquiries they need to be removed immediately

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: 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-12
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have submitted documents to chime 4 to five documents concerning XXXX XXXX sold me bad tickets, they did not sell me the correct tickets they took XXXX out my checking account for a show that had ended and closed. I had to repurchase tickets on XXXX XXXX because I was robbed of my monies. Chime bank took the side of the merchant which says chime is as guilty as them. Not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
I never received my package because the mail carrier I went to the posted off because it's said my package was delivered so I thought maybe it would be there the lady at the front desk called the carrier and he said he put it in the wrong mail box but then said the package was to big to fit in the box I asked my neighbor and they said they saw a package but I don't know if that was mines or who took it the XXXX XXXX told me I had to have insurance but it was the mail carrier fault for putting it in the wrong box I told chime this and I sent my Police report and everything this happened XXXX XXXX the package was a fire stick for the amount of {$100.00} I been fighting this claim since that dates and they have denied me several times On XX/XX/22 I made another claim For the amount of XXXX someone used my card after I losted it I filed a police report as well I got denied I ask them to reopen the cases now I waiting the and the 1st case I been fighting for almost a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is not doing what is right to update my Personal information my last name is wrong needs to be removed See attachment Address is incorrect needs top be removed see attachment Accounts are old still in the report they need to be removed see attachment accounts are verified and removed by other credit bureaus still in Experian credit report witch is hurting my credit report. 

This is taking so long you do it a soon as 48 hours as possible. 

Please see attachments.

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Trans Union, asking them to investigate errors on my credit report. This letter was mailed to them on XX/XX/XXXX. Over 30 days have passed, and they have not responded yet.

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