BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.

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 2023-05-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company did not notify me with the accuracy of the debt. the debt is XXXX the company to remove all negative information give that company permission to realese any iinformation to any reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one used my Social Security number to subscribe a monitoring system for his apartment on XX/XX/2017 without my knowledge. The address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and I never stayed this address. The original creditor was XXXX XXXX XXXX and the collection agent is ZIONS DEBT HOLDING. The name mentioned in the application is only my first name as XXXX XXXX and the application was electronically signed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2022-09-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT 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 accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got behind on a credit card account with XXXX XXXX and the account was transferred to Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC assinged the account to XXXX XXXX XXXX attorneys to file a law suit against me. I receive a letter dated XX/XX/19 giving me 15 days to complete a form to avoid garnishment or pay the debt. I received the form a few days prior to the deadline not 15 days prior. I completed the form and sent in a check with the dollar amount the calculations on the form said I needed to send in to avoid garnishment. I sent the check in priority mail that had to be signed for to have verification and proof of the attorneys office receiving the payment. XXXX XXXX XXXX left the payment sitting at the post office for almost a week so that the time to receive payment would expire and they could proceed with garnishing my wages. In XXXX my wages were garnished for the full amount of the collection being paidout in my two checks received that month. It is now the middle of XXXX and I am receiving calls and collection letters from Portfolio Recovery Associates, LLC. stating I still owe {$550.00}. The balance owed was updated on my credit report after they received the first payment from the garnishment but they have not made any other updates since the middle of XXXX. I filed a dispute with the credit reports through my credit monitoring service of XXXX XXXX the middle of XXXX to get the balance updated and that dispute has been reported as resolved and that I still owe another {$550.00} by the credit report contacting Portfolio Recovery Accociates, LLC. This account has been paid in full for almost 2 months now and they are still reporting on my credit as outstanding. I called Portfolio Recovery Associates, LLC on XX/XX/19 after receiving another letter stating I still owe them money. They said I still owe money and they can't talk to me because my account has been assigned from them to the office of XXXX XXXX, XXXX. I explained the issue to Portfolio Recovery and they don't care they are not willing to correct what they are reporting on my credit report. My wages were garnished for more than the amount I owed ( owed around {$970.00} and my wages were garnished for {$1200.00} ) and this was completed prior to the end of XXXX. I want them to be forced to correct what they are reporting to the credit bureaus and I want this attorneys office and the collection company both fined so that they stop doing this to people. This is false information, I paid the debt in full almost 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: OH
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:
Experian a third party consumer agency continues to infringe upon my right to privacy. I have demanded every old address as well as any addresses not linked to me be removed from my consumer report. Experian has once again denied this demand and sent yet another generic message to my email stating they can not fulfill this request. They continue to deny me my right as a living breathing person. They have assumed a role and have a duty to make sure that each consumers report is accurate. I have stated several times that the information is indeed 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 2022-09-15
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: Information belongs to someone else

Complaint:
XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following 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 non-monetary relief
Consumer complaint received 2021-03-21
Company: BANK OF THE WEST
State: NV
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:
My Ex-Wife and I recently went through a loan modification with Bank of the West. Per the terms of the modification, Bank of the West was to forgive all past due payments and roll them into the back end of the loan and consider the status of the loan current. I have filed disputes with all three credit bureaus ( 3 and 4 times each depending on the particular credit bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX are the dates for XXXX ) and each time Bank of the West comes back saying the info on my credit report is accurate. The loan is now considered current but they have not reversed the late payments and my credit is still being negatively impacted. I have the signed and notarized modification letter signed by both parties clearing stating the late payments will be forgiven and the loan will be considered current. I am writing this complaint to help have Bank of the West reverse the late payments as stated in the modification or remove the account from my credit report altogether. I have called and left messages with the loss mitigation department, the last date being XX/XX/XXXX but my calls do not get returned. The loan has since been paid off but the late payments, as stated previously are still negatively impacting my credit. I have done everything possible to get this corrected including filing a complaint with the XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am writing this due to the fact that XXXX, Equifax, XXXX  have reported I have an outstanding debt with. They have failed to uphold the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: MO
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:
On XX/XX/2022 my card was stolen and multiple transactions were made on my card. The total in fraudulent charges was {$380.00}. I filed a claim that they declined, they said that I had to submit another claim which I did and they still declined. There were XXXX transactions a quick trip in the amount of a {$200.00} on XX/XX/XXXX XXXX on XX/XX/XXXX in the amount of {$15.00}, {$10.00} and {$2.00} also XXXX XXXX XXXX for the amount of {$32.00} and {$10.00} and at XXXX 's for {$9.00} I filed a police report which I emailed to them and they still declined this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
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 to the fair credit reporting act, XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
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 information incorrect

Complaint:
Experian said on its XX/XX/2021 Fico score report that I had NO balances or never used my credit cards from later part of XX/XX/2021 to first few weeks in XX/XX/2021. Why can`t these people do any right. I have been fighting with experian for going on over 2 years cause they can`t do anything correct. I have my proof ( as usual ) to say I did indeed use my credit cards PLUS I did have a balance on my XXXX credit card which experian REFUSED to acknowledge. I am starting to believe that they are a republican back scam artists to help the almighty banks make more and more money with lowering lots of innocent hard working americans Fico scores so the poor XXXX will pay more for loans. I watch experian people every month to make sure they DON`T XXXX up my account. Just think about ALL THE MILLIONS AND MILLIONS OF HARD WORKING AMERICANS that DON`T watch their Fico score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: PA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation