BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: Chime Financial Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. Chime bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from 2013-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with a community bank through alphaeon credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day XX/XX/2023, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2022-04-14
Company: Novad Management Consulting LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I sent two R.E.SP.A QUALIFIED WRITTEN REQUEST on XXXX XXXX & XX/XX/2021 both time the servicer of the loan has not responded to my quest for documents I am requesting help from the CFPB to have Novad Management Consulting follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Reporting company used your report improperly

Complaint:
I have a few accounts on my Transunion credit report that are Fruad I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I exercised my right as a consumer and Capital One has done an adverse action because I exercised my right as a consumer, see attached document. Capital One is in violation with this letter sent on XX/XX/2022 pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. They are scaring me with threats to pay by a date that is unrealistic. I am aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). I am aware that billing errors are also defined pursuant to 12 CFR 1026.13 ( a ) ( 1 ) a reflection on or with a periodic statement/remittance/dividend of an extension of credit that is not made to the consumer. Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) A reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( 5 ) a reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will be proof Capital One acted without care, good faith, and has indeed performed illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection management 
XXXX owed 

Never received written information, 
This is identity theft 
Sent to validate debt , cant get ahold of anyone 


Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXXXX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX-XX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX-XX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

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 2023-11-17
Company: Checkr, Inc
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am seeking employment of driving through the companies XXXX and XXXX XXXX so they confiscated my data driving report from a third party agency by the name Checkr who is a background and reporting agency working on the behalf of my employer to access my records which in their discovery acquired a controversial item known as an accident violation on my Department of motor vehicles report on XX/XX/XXXX that considered my employment risky according to the material reporting from the Department of Motor Vehicles report which affects my ability to acquire employment due to the unverifiable information being disclosed. I reached out to Checkr and XXXX over the phone and by letter disputing the allegations presented on XX/XX/XXXX furthermore I gave a formal and informal notice of the inaccuracy of the information and expressed to the agent that according to FCRA guidelines which express my rights as a consumer very conspicuously but the agent insisted that there investigation results came back that the information was accurate according to the department of motor vehicles. XXXX the second reporting agency I disputed sent me a letter of my dispute and determined that the information they investigated from the department of driver services records results was ruled to be unverifiable so they removed it from there records and sent me a copy for my records. I am seeking the rights to damages this has caused according to the violation of 15 U.S.C 1681 ( 2 ) ( A ) ( I ) as they are liable according to 15 U.S.C 1681 ( n ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Recently I've caught on to how my card seems to get charged twice. Once on the moment of the payment and the second time is a couple days later when the transaction gets posted on the app. I barely caught on, I've been having this account for years. Who knows how long it's been

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
One of my addresses says Ive lived in CA and I never lived in CA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
On XX/XX/2021 portfolio recovery associates LLC sent me another letter attempting to collect a debt on an account that has not been verified. I have made multiple requests asking for PRA to validate this debt. The have not provided me with anything with my signature or any proof of validation that I own them anything. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed multiple times closed accounts on my report I have called XXXX, transunion and XXXX about this violations and have repeatedly been ignored these credit bureaus continue to try to validate these debts with the original creditors and all three of these collection account was paid off and full with secondary agencies who bought the debt I have stated this many times and I did not give permissible purpose for all of these items on my report was also told for secondary creditors that if accounts was paid items would be removed off my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is trying to collect on a debt not owed the Company received their property back they never informed me that additional charges would be placed on my credit reports this company has placed a collection account on my credit file when nothing is owed to them they stated if the property was returned they would not seek any further collection this company lied to me and is damaged my credit with this bill when their property was returned

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have tried 7 times to send {$2200.00} to my wife who lost her wallet in XXXX XXXX 4 days ago now. 
I have uploaded my Drivers license, I have talked on the phone for at least 3 hours in total, I was told the money would be available. 8 times I tried it never was available. The stress you have caused myself and my wife with your terrible service is incalculable. 
I wish to complain to the highest degree of these false promises and absolutely amateurish service. I demand an explanation, I demand an apology, I also demand an apology for my wife. I am not going to let this rest you have caused unnecessary stress to my family and it is totally unacceptable. 
This is the worst experience I have ever had in my life, you are totally out of your debt to provide a service, you should not promise a service you can not provide. 
I will not rest till I can cause some damage to western Union, I will pay for the most expensive media blitz to tell the whole world what a terrible service you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/Madam, We traveled overseas in the mid of XXXX and were stuck due there for almost two weeks due to our flights being cancelled by the airline as a result of COVID-19 Pandemic. Our initial returning flights were cancelled by the airline on XX/XX/2020 as a result I contacted our travel issuing company which was AMEX Travel but they refused to accommodate us on the next available flight back home and wanted to charge us all kinds of fees such as fare difference fees, flight cancellation fees, etc. Which I never agreed to pay because we did not make any changes to our itinerary and our flights were cancelled by the airline. So, we ended up purchasing brand new tickets to return back home to XXXX  XXXX on XXXX. XXXX, 2020 for a approx. cost of % XXXX and we purchased travel insurance just for the piece of mind through AMEX travel insurance. That flight ended up getting cancelled as well by the Airline and once again contacted AMEX Travel and they refused to accommodate this cancellation as well. As soon as I learned about our flight cancellation I contacted AMEX travel insurance and told them that our flight was cancelled by the airline therefore, we would like to cancel our travel insurance policy and would like to get refunded for the amount of approx. {$180.00}, and they refused to do so stating that its too late to cancel our insurance policy. I was frustrated at that moment because we purchased a travel insurance for tickets that were nullified by the airline but for some reason they still want to charge us money for it. Therefore, as a last resort I decided to dispute this transaction with AMEX customer service but now they are saying as well that I have to pay for the insurance because policy was consumed, not sure how this policy was consumed when our flights ended up getting cancelled and we returned home using the U.S Government Chartered flight. We are helpless at point because we are being forced to pay for some services that were never used and were nullified by the airline. 
Please find attached supporting documents showing that our tickets were cancelled by the airline and we ended up returning home using U.S Government Chartered flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: ERC
State: TX
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:
Please review the correspondence sent to ERC and Credit Agencies this morning. ERC continuously attempts to collect invalid debts. I have received several notices from them, and each time the debt is later removed. I am asking that they be reviewed based on the CFPB guidelines with regard to consumer debt/collections. They continue to violate my rights, and I want them to cease ALL COLLECTION AGENCY IMMEDIATELY. 


Good morning, I am requesting that the collection activity for this account cease immediately. I have not had XXXX XXXX in Several Years. When I did have the service through XXXX XXXX ; all bills were paid, and all equipment was returned. I had a remarkably similar issue through your collection agency regarding XXXX ( another Cable Company ). That was removed immediately at the direction of XXXX XXXX, Senior Vice President of Operations, as the collection was not VALID. Again, I asked that you remove from your collection activity. If you can not do so, please have Mr. XXXX contact me directly at XXXX. 



Confirm New Collections Account A collections account from ERC was added to your credit report on XX/XX/XXXX 
CREDITOR INFO ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XXXX XXXX, 2020 BALANCE {$200.00} ORIGINAL CREDITOR 11 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has a debt collection on my Equifax and Equifax wont remove or delete it from my credit report and XXXX XXXX keep updating and change the dates for this debt collections on my credit report constantly its {$55.00} and was paid by XXXX or XXXX. And they are costly Robo calling me.! And calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I had my tire changed couple weeks ago. And my insurance company sent a check to me for XXXX dollars. But I never got it after 3 weeks of waiting, I called them today and found out my check has already been cashed out by someone else to his/her TD bank account. Ive talked to both my insurance company and TD, and i didnt receive any solution from them except apologies. I have a copy of the check that has been cashed out by someone else, sent by my insurance company. And I will upload it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: ERC
State: TX
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:
For several years, Ive been getting harassed by Enhanced Recovery, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, Enhanced Recovery has reported to XXXX, in which I disputed & provided proof of payment, but XXXX  is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.

Company response to consumer: Closed with explanation