BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : Equifax Information Services ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a firm called LVNV Funding LLC that claims I owe them {$1100.00}. First and foremost, I know nothing about this company. Second, I do not owe them anything.

Third, they do not have a license to operate in Florida. As a Florida resident, this is a violation of Florida law ( Fla. Stat. 559.553 ), which requires most debt collectors and out-of-state law firms to register as a Consumer Collection Agency with the Florida Office of Financial Regulation before engaging in collection action in the state of Florida. Many people do not.

By obtaining judgments and demanding payments from consumers in places where it was not legally licensed to do so, it violated the FDCPA and the CFPA 's prohibition on deceptive actions or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with CHIME in XXXX XXXX also requested direct deposit so that my social security check would be deposited. 
SS told me it could take up to 2 months for this to begin. I received a loan in XXXX from XXXX in the amt of {$2000.00} which I deposited into my Chime checking. After spending money I recieved a call from chime stating they needed his credentials as they were concerned of my spending habit and asked me to identify myself and the info I provided was incorrect and after several unsuccessful attempts I was advised that unless I provided my credentials info correctly, they would close my acct. Then in XXXX they closed my account, then my first social security check was returned. Since that day I have repeatedly requested my money refund and I keep getting the same form letter from all sont at least 10rts of people they claim to be from member services and i keep getting emails that ask for selfie pic, holding up my ID and ast 4 digits of my SS # I have sent them so many of their requested documents then they request them in XXXX form. So I sent them in that form. Ive had them tell me they were going to call on XXXX different occasions. Ive tried calling on several occassions, only to get no person, i have begged and begged, im so frustrated because i am on social security XXXX and deperately need my money. I gave them an address change with proof but nothing is being accepted. I requested a manager to no avail. They claim to have sent a check in XXXX that was returned. Im just at my wits end. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am suppose to receive direct deposit into my account of my choice I chose XXXX XXXX XXXX right now as we speak someone put a hold on my funds just before my deposit was suppose to be delivered then someone switched my direct deposit to citizen 's bank after social security completed a trace I then went to citizens for more information I was told by this associate that it had just popped up and I had a negative balance of XXXX she called collections told me that they were going to take the XXXX and mail me a check. today is the fourth and I don't see the funds in my XXXX XXXX XXXX account. 
Also I received an approval letter from rent rebate for XXXX that I was suppose to receive on the XX/XX/XXXX and it also, have not been loaded onto the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am supposed to have 5 % back on all purchases for the first 90 days of opening this account. Chase has purposely slowed payments I have made which has left me with no available credit to make purchases in excess of 5 business days or more. Chase cites fraud protection but I have made multiple payments using the exact same method of payment ( my bank ) which has cleared with no problems. I called to ask if Chase could extend the offer by another 90 days and Chase offered nothing only telling me to request a credit limit increase. I am trying to buy a house and this is hurting my credit by showing I have a higher debt to income ratio because I can normally pay the card off right away but Chase continues to hold every payment up for multiple days much longer than necessary. I just want chase to honor their promotional terms. Saying I have 90 days to utilize this promotion and purposely placing my payment on hold is not honoring your terms. I spoke to a rep yesterday about my payment finally being applied to my account and I was told that amount would be available by today, and this amount is not available like they told me. This is the second time they have given me false information in regards to my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account 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 2023-08-08
Company: CrediFlash LLC
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 provided my PII to XXXX XXXX for the purposes of a soft credit pull for prequalification without an impact on my credit score. XXXX XXXX then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted my credit score.

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 2023-08-07
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have contacted PNC 7 times to report fraudulent transactions on my XXXX account. 
They responded telling to call XXXX because its not the bank 's problem. I called again to explain it was their responsibility and XXXX doesn't take responsibility over it. 
They had done investigation and told me it was my fault for the fraudulent transaction. 
There was XXXX {$1000.00} transactions to XXXX XXXX and XXXX {$650.00} to the same person. Total of {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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 want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I owed a debt with a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I called in XXXX and was told that the debt was charged off. I thought since it was charged off that I no longer had to address it. The time that I owed the debt, I lost my job and was going through personal crises. Fast forward, I was notified on XX/XX/XXXX for the first time that I was getting wages garnished. I was never notified before. This has caused some issues at my workplace and will affect my opportunity for advancement. Moreover, I can have my job placed in peril based on the Professional Conduct Code. The Law Firm stated on the paperwork that I called them in XXXX of XXXX. That was during the time that mail was rerouted from my home address and sent to my exes. I can prove this, for these addresses where I never lived are listed on my credit report. My ex has in the past rerouted mail of mine to his post office box. I therefore could not have called the Klima office from the phone I currently have and called them again in XXXX of last year as they stated on the phone. I could not have, because I would not have cause to reach out to them until now when I received this letter by mail. I am also certain that I did not contact them in XXXX, with the phone I currently have, because I did not have the phone or phone number then, that I am using now. This Law Firm, Klima, Peters and Daly located at XXXX XXXX XXXX XXXX XXXX in XXXX, Maryland has a plethora of complaints against them related to similar practices of blatant dishonesty and unethical practices as they inflict harm onto consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I for a account with a XXXX XXXX and was denied membership due to my check systems report. Once I received a copy in the mail. I seen over XXXX inquiries that was not my doing. I have XXXX product with XXXX XXXX. A business credit card. I spoke with a rep this morning. My card was issued XX/XX/XXXX. So XXXX inquiry is legit. I received the product, no need to apply again. There are XXXX XXXX inquiries on XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again using last four of my ein #, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, It doesn't even make sense. This is obviously and definitely fraudulent activity. I will list the lenders on my report that I did not apply with nor give my permission to do so. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXXe XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. I did not apply at any of these Institutions. This is fraud. XXXX XXXX XXXX XXXX I applied once on XX/XX/XXXX. I was denied membership. That should be the only inquiry from them. I have XXXX secured card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX is legit. I still have the secured card and haven't applied for a credit product yet. All other XXXXXXXX XXXX inquiries are fraudulent. I spoke with XXXX XXXX and XXXXXXXX XXXX XXXX. They both said there's nothing they can do on their end. All inquiries except for the ones I stated are acts of fraud and by law should be removed immediately if not proven to be legit. And that's definitely not going to happen. This is causing me a great deal of hardship on the personal and business side. Nobody in their right mind would do this to themselves. It has to be obvious! Please remove asap. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XX/XX/.

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 2023-05-09
Company: EQUIFAX, 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:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry  from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX  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