BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-31
Company: EQUIFAX, INC.
State: GA
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:
Equifax did NOT do proper investigations into the charged off XXXX XXXX account on my credit report. Equifax states they did an investigation from XXXX to completion on XXXX ; Equifax Case confirmation number : XXXX ( myequifax ). 

According to the FCRA they did not do this. 

Equifax states they did an investigation but how if the service address associated with this XXXX account is inaccurate and fraudulent? 

Equifax also needs to explain why XXXX has completed an investigation on this very same XXXX XXXX account and they have since removed it from my XXXX credit report. 

How does XXXX do an investigation and remove this inaccurate/fraudulent XXXX account but Equifax does an investigation stating it's accurate?

If Equifax had completed an actual investigation into this matter they would have had the same outcome as XXXX. 

Not only does EVERYTHING on my credit report have to be 100 % accurate according to the law Equifax has to have " my written consent to furnish accounts on my consumer report. '' I have contacted the FTC and the GA Attorney General on this issue with Equifax. 

Please see attachments. 

The last attachment shows Equifax did nothing concerning this issue after the first CFPB Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: GOLDMAN SACHS BANK USA
State: PA
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:
I ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from a Law Firm : XXXX, XXXX XXXX XXXX XXXX Midland Funding LLC. stating a debt was owed. I sent a letter to the law firm requesting proof that the debt was indeed mine. All that was sent was a judgment that was filed in court. Nothing was submitted proving that debt is indeed mine from either party such as a signed contract. 

Upon further research, I see this debt recovery was initiated in 2011, in which there was never any communication. I request the necessary information be provided proving that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with 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 2019-08-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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 a collection that was recently added for XXXX XXXX XXXX for the amount of {$210.00} by Eastern Account Systems. I have contacted them about this collection but Eastern Account is saying they did not report this and have no record of it. I also contacted the medical facility and they don't show me having a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 second 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 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 explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I pay off my personal load back in XX/XX/XXXX why are you guy still charging me? I kept seeing money being withdraw not made by me, if this is the chase i want a new banking information because i never asked to re apply for a personal loan

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 2021-05-13
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have file disputes over and over they keep getting denied. I would refile them and I still receive denied letters after submitted support documents. I even been trying to find a good lawyer because its been too much money used thats not authorized by me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 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 2019-09-01
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS STRUGGLING TO PAY MY MORTGAGE AND WANTED TO REFINANCE MY HOUSE SO I CALLED MY MORTGAGE MONEY SOURCE AND THEY TEFERRED ME TO XXXX TO TEFINANCE MY HOSE. I WAS BOUNCED FROM ONE PERSON TO ANOTHER. I WAS NOT UPDATED ON MY STSTUS. I HAD EMAILED AND CALLED XXXX AND THEY DID NOT AS NSWER ME. I WAS TOLD TO SKIP A LAYMENT AND I HAVE IT IN WRITING AND I WAS REPORTED TO MY CREDIT AS LATE PAYMENTS WHICH I WASNT CCX AS BLE TO REFINANCE MY HOUSE AFTER I SPENT MONEY ON FIXING MY HOUSE AND PAYING FOR MY SPPRSISAL FEES. I AM SO UNSATISFIED. CAN I DIVORCE MY MORTGAGE COMPANY? I WAS GIVEN OPTIONS BUT IT WASN'T HELPFUL AT ALL IT WOULD MAKE MY MONTHLY PAYMENTS {$800.00} HIGHER WHICH I WAS ALRESDY STRUGGLING TO MAKE MY MONTHLY PAYMENTS AS IT IS. I SM GOING THROUGH FINANCISL DIFFICULTIES AND I NEED AS BETTER OPTTION. I AM NOW 2 MONTHS BEHIND. ON TOP OF THE AUTOMATIVE SYSTEM XXXX IT TAKES ME 30 MINUTES TO GET TO A PERSON.I NEED A NEW MORTGAGE COMPANY BUT I AM LSTE SO I AM STUCK WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: DISCOVER BANK
State: SC
Product: Credit 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:
I hired a company XXXX XXXX XXXX {$1200.00} to perform local seo on my website to move up in rank and move towards 1st page of XXXX they were to do local seo which included XXXX descriptions photo alt adding all the towns around so I show up in there search results I was under the impression I was hiring top notch company I was made to believe I was getting top notch service what I got was error in my XXXX description local seo wasnt even implemented into my seo what I got was a loss of visitors since they took over what I got was a drop in authority I oss XXXX points clearly not what I hired them to do since they started my visitors declined from XXXX a week to XXXX in 3 months I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When they asked for a video and more information for their XXXX XXXX card, I decided not to apply. I did not complete the application. 

The website said that i " timed out '' and the application was incomplete. 

They ran my credit anyway. It was a hard hit. 

I did not want to do business with this company, despite the promotion. I decided to make the payment in cash. 

The following day, I was informed by my credit agency that there had been a request and hard it to my credit rating. 

It was almost impossible to reach anyone at Synchrony Bank. I went from XXXX to XXXX XXXX, to XXXX ( they were the worst! ). 

I was never informed via phone or email or text that I had applied or that they were going to run my credit. But, they did. They said I had given approval and they were waiting for the rest of the information that I had decided not to give them. They said they had sent me snail mail letter requesting this information. 

I told them I was not sending it. I would not do business with them and they did not have approval to get my credit information and make a hard hit. They said they did. 

I told them to cancel anything they had from me and that I would not do business with them. They are horrible!

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 2018-04-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. 

I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Comerica
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Wallet was missing from my apartment dresser on XX/XX/2022. I got a bad feeling about the same time I noticed that my wallet is missing ... .I got XXXX XXXX A attempt to withdraw from my Account.all on XXXX All Declined XXXX XXXX and XXXX {$900.00}. 
XXXX  and XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$20.00} Declined. 
XXXX XXXX XXXX {$89.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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: Account status incorrect

Complaint:
I have wrote these companies several times about the XXXX XXXX account reporting open on XXXX but closed and charged off as bad debt on TransUnion. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.

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 2022-12-19
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My car was broken into in XXXX, resulting in my Chime debit card being stolen and fraudulent transactions being made. I filed a dispute with Chime in XXXX, and was told it would take approximately 90 days for a result. On XX/XX/XXXX, I called again for an update on my dispute. I was informed the dispute was denied in a day, proving the company didnt have enough time for an adequate investigation. I asked the representative to reopen my dispute, and she agreed to. I have email documentation where I sent chime support the police report numbers again. Today is XX/XX/XXXX, and I called for an update to be informed my case was never reopened. It has now been 3 months since almost every dime was stolen from me, and they are refusing to cooperate on reimbursing the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

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 2021-10-16
Company: DISCOVER BANK
State: NC
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 PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

Company response to consumer: Closed with non-monetary relief