BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have received 2 emails from Chime. One welcome email and an email stating that someone has logged in to my account from a new device. I ignored it because information was missing from the second email regarding location and type of device that logged on. The next day I receive another email, stating my card is on the way and is being delivered to an address that I am familiar with. Its an apartment address I used to live at but its a different building with no apartment number. That raised concerns so I called the company to report fraud. The first two times I called, I got a busy dial tone which was concerning but I go through on the 3rd time. The lady I spoke with couldnt verify me without my DOB and last four of social. I kept trying to explain that she doesnt need that information to locate an account that is using my email address. She insisted on it and I wouldnt budge and tried to explain that it wasnt me that opened the account so I dont know what birthday or social they listed, all I know is that my email was being used. I told her to search for the email and she said that doesnt exist in their system and again was adamant about my personal information. I hung up the phone and XXXX searches my situation with Chime and saw that others have been through this, which is absolutely crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( Ally Financial ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to Off Lease Only and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of Off Lease Only and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted Ally Financial to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly Ally Financial and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from Ally Financial No Account found via My social security number. 
Sincerely 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 explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 some 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Adjustment Company , XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Credit bureau : XXXX XXXX XXXX I noticed some inaccuracies.I previously sent a letter regarding this dispute on XX/XX/2023. 
The Mistakes have not been removed fromy credit report. 
. The below accounts are in fact remain inaccurate and fraudulent should be removed Immediately. 
ThIs account is fraudulently Reported under the following : CALIFORNIA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA CIVIL CODE SECTION 1950.5 ( F ) CALIFORNIA HUD 4350.3 REV-1 ( 7-18 ) US FCRA 1681s ACCOUNT XXXX XXXX XXXX. 
XXXX BALANCE : {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
As I have attempted to rectify this ordeal, and unsuccessful at doing so, as VS, CB, & CEO 's are not cooperating. There is a {$300.00} limit however they locked the card because of my attempt to ask questions that they are misleading on and shows {$0.00} is available. Victoria Secret, Commenity Bank and the CEO 's has suspended authorization for further use of the credit card, A violation of 15 USC 1602 ( p ). All while demanding payment, failing to disclose they are a debt collector per 15 USC 1692 E ( 11 ). I reserve all rights as the Consumer to enforce being treated fairly per 15 USC Chapter 41 subchapter V, without injury ( s ). The allege balance due are mostly fees and interest as they constantly violate my rights per 15 USC 1692f ( 1 ) and shut me down when I attempt to resolve this matter telling me I have no rights. I was told they are the 'original creditor ''. I have lost sleep because of this. This has cause mental anguish and the lost of many opportunities for my family that I now see a therapist for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/XXXX I mailed a certified letter to the collection agency Midland Funding asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX  to remove the debt since they did not verify the debt to me within 30 days. XXXX  sent to Midland Funding a request for verification and it came back valid to XXXX, yet Midland Funding didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency Midland Funding. My last letter to Midland Funding was sent certified mailed on XX/XX/XXXX. I did received a statement from Midland Funding, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to Midland or did they purchase it from XXXX XXXX Monthly statements or purchases with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: American Credit Acceptance, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, I purchased a car from American credit Acceptance. When I purchased the vehicle, it was right in the middle of Covid. I was advised by XXXX XXXXXXXX it was 11 percent interest rate a month. I have been paying on the car for over 2 years, and paid about {$15000.00}. I noticed that only {$2000.00} went to principal and the rest to interest. I called the company and they advised me that the loan is for 56 % a month!!! I advised them I never agreed to that and they refused to help in any way. With such a high interest rate I called them and told them I would like to surrender the car. They told me it was fine, however they did not do a self surrender, they repossessed the car, and told me I had to pay all the fees. My husband is XXXX, he is XXXX. With only myself working, I would have never agreed on 56 int rate. I do not know what to do. I just need someone to help me. I worked so hard for this {$15000.00}, and it all went to garbage, and the car is gone. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: OLIPHANT FINANCIAL, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I sent a certified letter informing this company that I was a victim of fraud. They never sent me not one piece of information regarding this erroneous account. On XX/XX/2023 I also sent them a Identity theft report and I have still not heard a word from them. I have gone to XXXX XXXX XXXX XXXX several times regarding fraudulent accounts. I also filed a claim with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with Portfolio Recovery, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX XXXX XXXX both claim I had disagreed a Correct debt with Portfolio Recovery and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX Portfolio Recovery has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was accepted to the XXXX XXXX XXXX XXXX program in 2003. I do not pay my property taxes until I pass away or sell my home as this helps me stay in my home while I'm XXXX. My mortgage company keeps paying my property taxes, then asking for a refund, and reapplying it to my escrow account. While this is happening my mortgage payment changes to {$1000.00} from the correct amount of {$690.00}. I have tried to stop the billing by XXXX XXXX XXXX program and was told that was not possible. I have made at least one call per month and often many more trying to get Ditech to reverse the payment, correct my escrow, and apply my house payments correctly. I have to Fax each item to them or Ditech just says they didn't receive the letters. They have destroyed my credit history. They reported that I was two house payments behind, when I had paid the correct amount on or before the 1st each month. They reversed the credit information, but several accounts had been closed due to the misreporting. XXXX XXXX XXXX XXXX program supervisor said as soon as they receive the request they will have the check back out in 1 week. Ditech Tax Department told me that when they receive the refund they have 60 to 90 days to correct the escrow. They have already taken my XXXX payment {$690.00} and applied it to the XXXX payment {$690.00} to cover the incorrect amount of {$1000.00} that I was billed for XXXX. So now it appears that I haven't paid my XXXX payment at all. I don't know what else I can do. I have to have escrow to cover my FHA insurance. As long as I have an escrow account they will continue to pay my suspended property taxes. I have been trying for 3 years to get this resolved. Please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
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:
I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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. 

XXXX XXXX XXXX Has Violated my rights.

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 2022-04-20
Company: Bayside Credit
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: Investigation took more than 30 days

Complaint:
A little over two years ago, I turned in a vehicle that I had financed due to financial difficulties. ( Voluntary repossession ) Later on that year which was 2020, the finance company charged off the debt and it says so on my report. However they are still adding negative remarks every single month without fail making my credit suffer needlessly. I thought once charged off, the company couldn't still do that ; adding to a growing balance The people working there are very rude and it feels like it's personal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean. The pictures are the exact day of move out and the picture of the lady is who did my move out inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I was a victim of identity theft. Starting on the evening of XX/XX/XXXX I began to notice withdrawals from the Credit Karma spend account that I did not authorize. I still had possession of my card so I did not understand how these transactions were being made. I was able to log into my account on the mobile application because biometrics were used. However, when attempting to log into my account on a computer, the system did not recognize my login. After contacting Credit Karma by phone, I was notified that the email address was changed on my account and it was updated. A total of {$650.00} was taken from my account in 2 days. I disputed the transactions and we only refunded {$500.00}. Credit Karma, unbelievable to me, determined the remainder of the transactions were made by me... .they were not. I was transferred by email to Credit Karma 's fraud section ( they only communicate by email ) and sent them a copy of my driver 's license ( front and back ) and a copy of my marriage license. I also, just today sent them a selfie holding my driver 's license. Even with all of this, my funds have not been returned.

Company response to consumer: Closed with explanation