BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: Chime Financial Inc
State: MA
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/XXXX, around XXXX XXXX  an unauthorized transaction of {$1300.00} was transferred from my savings to checking. then a transfer of {$410.00} was transferred from my checking to credit account along with the {$1300.00}. at XXXX XXXX a total of {$1700.00} was withdrawn from my account without my consent or knowledge. A couple of weeks before my bank posted on XXXX that if someone comments under the post using the provided hashtag, they will be entered in a raffle to win money. On XX/XX/XXXX, I received a direct message from an account that I thought was chime bank ( but ended up to be a replica and scam ). I clocked on the link that was provided through a tab and it brought me to a page that looks exactly like the the Chime bank log in. I entered in the requested information believing that I was logging into my Chime account. It asked me for my email, password and last four digits of my social. Later that day, someone went into my account and withdrew the money. I called my bank instantly as soon as I got the notification that they did. I called them on XX/XX/2022 to report this transaction. the people gained access and changed all my information and logged me out of my account. I was unable to log back in due to them changing the information on me. I spoke to many members from guest services and I also spoke to a Supervisor who told me on the phone told me the transaction was flagged and it was a pending transaction ( on XX/XX/XXXX ). Three days later after they said that the transaction went through. 5 days later, when I am finally transferred and able to speak to a person from the dispute department they tell me the transaction went through. They filed my dispute 5 days after the transaction occurred. I Called the bank every day until they made the decision on the account and they are stating that the Transaction was not an error. I was told my transaction was flagged to being told by the dispute department that the transaction was not an error when I called the day it happened and told them I was logged out of my account by someone else and they took my funds. On the bank statement it can show where my last transaction occurred and where the person took my money out. This bank is not secured at all! they should not be aloud to activate as a bank because they do not have security at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: ProCollect, 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:
FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX PROCOLLECT , INC FRCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information 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 explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MD
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:
To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY EXPERIAN AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! 
I ALSO SENT THE PROOF AGAIN VIA EXPERIAN.COM/UPLOAD SO YOU DEFINETELY CAN NOT SAY YOU DIDN'T GET IT. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! Thank you for your time and help in this matter. 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have two companies contacting me at the same trying to collect on the same debt. One company send multiple emails and another company mailed my confidential financial information addressed to my boyfriend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and XXXX have both deleted those charges and brought the score back up. ( Experian is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company CAPITAL ACCOUNTS have send letters to my house informing that i have to pay a debt that I do not recognize, information as follows : Account NumberXXXX, Account TypeCollection, Responsibility Individual, Date Opened XX/XX/XXXX, StatusCollection account. {$750.00} past due as of XX/XX/XXXX. 

I called them and informed that I have never visited the MD they are saying, I provided my SSN and my Date of Birth and they told me that effectively I'm not the person they are looking for. However they insist on keep the negative record on my credit report. I disputed 3 times this account for the same reason thru XXXX  but they ( the collector ) don't want to remove the collection from my credit ( remains in every single dispute ) which is hurting my credit record. 

I need this company remove this collection from my record since I'm not the debtor neither my SSN nor my DOB coincide with the real debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my updated credit report, I see that many items were erroneous. The 3 credit bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : 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 2023-01-22
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date XXXX  company opened a collection. 
Account # XXXX {$2100.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been paying the North Carolina state Credit union XXXX XXXX balance but I can not use my credit card. My online status states revoke. But they are charging interest and I have a saving account with money in it. Would that not be collateral. They did not offer me anything. Why can my credit card not be reinstated, especially due to the Covid pandemic? I am making payments. I do not receive a mail-in bill for the credit care statements. Also when I go online it wants me to sign up for paperless. I never received a credit card bill. 
Please advise. 
Current Balance : {$2800.00} Credit Limit : {$4000.00} Available Credit : {$1100.00} Last Payment Date:XXXX Last Payment Amount : {$170.00} Annual Percentage Rates Purchase APR:7.75 % Cash Advance APR:7.75 % As of the Last Statement : Next Payment Date:XXXX Minimum Payment Amount : {$0.00} Last Statement Balance : {$3000.00} Amount Past Due : {$0.00} Days DelinquentXXXX YTD Interest Paid : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification through Specialized Loan Servicing ( SLS ) last year in XX/XX/XXXX due to me being unemployed and wanting to try to keep my home. I was approved for an unemployment forbearance with the total amount being due on XX/XX/XXXX. I have attached a copy of the forbearance agreement that I accepted on XX/XX/XXXX. 
SLS sent a letter in XX/XX/XXXX stating that I did not accept the agreement, I reached out to the company and verified that the forbearance plan was still active. Also, on XX/XX/XXXX I filed for a XXXX XXXX bankruptcy ( Case # XXXX ). As, I was still unemployed and could not afford all of my debts. But, my plan was to keep my home if I could. On XX/XX/XXXX, I received a motion for relief from automatic stay filed by SLS by XXXX and XXXX XXXX firm with a hearing date of XX/XX/XXXX at XXXX XXXX. The motion states I am behind on my payments, which is contradictory to the forbearance agreement that SLS approved for me to be behind on payments until XX/XX/XXXX. I called SLS on XX/XX/XXXX to inquire why this motion was filed with me having an active forbearance plan and also why I was not given an option to reaffirm the debt prior to them filing the motion. The representative I spoke to told me I needed to contact my lawyer and provided me with me no information. I feel SLS is moving to evict me prior to the agreed upon Unemployment Forbearance plan.

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my XXXX XXXX card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/24 has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected 748. This is ridiculous.

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 2018-02-20
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: Credit inquiries on your report that you don't recognize

Complaint:
An unauthorized inquiry from XXXX XXXX was reported on XX/XX/2018. I called XXXX to find out why they ran my credit report and they said they have no record of speaking with me and do not have an answer as to why my credit was ran. I then called Transunion to file a dispute on the inquiry. Transunion told me that they do not dispute inquiries as they are facts. I told him it was not a fact, it was not authorized and it was fraud. He said it did not matter and if I wanted it removed then the company that pulled the report would have to submit to Transunion in writing that the inquiry needs to be removed. I asked him why a company that committed fraud would submit anything. I was again told that inquiries are facts and can not be disputed. I informed him that I submitted a dispute on unauthorized inquiries to XXXX and it was removed immediately. He said Transunion does not have a process to dispute inquiries, so he can't help me.

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 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After suffering job loss during the pandemic and asking to have this debt removed from my credit report due to natural disaster ( Covid-19 ) in 2020 this third party debt collector refused. They then contacted my boyfriend and sent him a letter addressed to him and not me with my debt information and a collection notice. The notices are for my accounts and they sent him my past due bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: National Credit Care, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A XXXX XXXX  employee refered me to National Credit Care to try and remove my " late mortgage payments ''. I missed a payment in XXXX and paid the rest on time up until XXXX when I realized when I was going to get a VA Construction Loan. I was notified by the lender that i had 2 late mortgage payments. I was unaware of this. They used wach payemnt i made on time for the previous months payment. I was told by them they can not remove them as they are " accurate ''. The employee gave me a guys number and his name is on the website account. I feel this is a scam as I spoke with another lender about the process of what they do. They are misleading. I am a XXXX veteran being scammed by my own countrymen. Can you help me?

Company response to consumer: Closed with explanation