BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: LEXISNEXIS
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my XXXX Report and LexisNexis Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( LexisNexis feeds off XXXX and XXXX Feeds off LexisNexis ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

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

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had Chime Bank through the XXXXXXXX XXXX for a little over a year, and had thousands of dollars moving through it from employment, to tax returns, and unemployment. Chime bank Abruptly decided to close my account on XX/XX/2020, with out my consent. I had a total of {$6700.00} between my checking and savings accounts. I have repeatedly tried to have chime refund my money to me with out any success. They claim to have returned the funds back to the Massachusetts Department of Unemployment Assistants PUA. I have called Unemployment numerous times over the past 6 weeks. Seeing as I still have an active claim with them, they have informed me that they have not received any funds from chime bank on my behalf. The Unemployment office also indicated to me that they have had a lot of issues with chime bank, stating that the bank has not been returning peoples money. So I am hoping this agency can help  me resolve this issue seeing that this bank took my entire life savings from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SG and Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX2023 Stafford Group and Associates a debt collector reported a collection account on my credit report with XXXX. Stating {$830.00} is past due as of XX/XX/2023. My credit is being severely damaged due to this debt collectors actions. This debt collector is violating my consumer rights that the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) enact. Please help to stop this company from causing more damage and harm. The XXXX has reported Stanford Group as an u reputable and unethical company, they should be put out of business or fined and banned from collecting affecting hardworking Americans lives and reputations.

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 2022-05-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am in disagreement with the information XXXX reported on XX/XX/XXXX to the credit bureaus ( XXXX, Experian XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in Contact with this company now for. Hear. Trying to remove this negative credit reporting on my account. Ive ow Disputed this charge Through XXXX. The information is false on their behalf and this issue was previously resolved. Im now being harassed and have notified the XXXX. Theyre refusal to stop calling to collect a payment that was resolved 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th 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. 
XXXXXXXX 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 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 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 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, XXXX, and TransUnion that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 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.

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 2023-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX 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 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 2023-05-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th 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. 
XXXXXXXX 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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have not been updated on the status of public service loan repayment application. I am XXXX XXXX military. More than two months after I submitted the application, I called for an update because the application status isnt listed on the website. As I type this, Ive been on hold for more than XXXX minutes. Im on XXXX XXXX and my baby is napping so Ive had the time. But now hes waking up and I still dont have an answer. What do people at work do to stay on hold this long? Why isnt the information I need available online and easily accessible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: HW Holding, Inc
State: NC
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 is reporting a debt collection account on my report from HUNTER WARFIELD INC. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX ATTN : EXPERIAN DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged XXXX XXXX  XXXX referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The XXXX XXXX  XXXX would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX XXXX  XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EXPERIAN is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EXPERIAN consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EXPERIAN. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-04-22
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used PayPal to buy a painting from a company that turned out to be fraudulent. Through email the company agreed to the refund but PayPal refuses to process and is keeping both the refunded amount and the original payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from 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 explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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

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 2023-01-01
Company: Advanced Resolution Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi I have been paying my walmart credit card for the last 7 months. I have been paying it on time never late and the minimum balance or over. I recently was able to pay it in full and thats what I did. I went to check to make sure everything was ok but noticed my balance was low by like {$500.00} so I called them. They informed me they did a random evaluation on me the day after beening paid out and made this choice. But all of this only happened after they were paid out they then told me when my credit up dates then I can ask about a credit increase to my original limit. Oh and when i had to change my address the first time before I received the card they closed the account then opened another one under my name which is the one that is active now. They also tacked on a {$10.00} interest charge to it with know real reason I have never had one in the 7 months of having them. This is a first this has ever happened and it makes no sense my mother has had them for 2 years and has reached her limit multiple times and she has had no decrease to her credit line. But then again she has never paid them in full either.

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