BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The XXXX XXXX account 1st date of delinquency is being reported as XX/XX/XXXX on my Equifax credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report XXXX attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: CA
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:
This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my XXXX AND EQUIFAX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on XXXX is misleading, inaccurate and incomplete.XXXX says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With Equifax " date first major delinquency reported says XX/XX/XXXX and XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
I used XXXX to got to a basketball game and ever since then I have been charge XXXX a month I called them on several occasions and they hung up I told them I did not authorize the money they are taking from my account I have my own car I use it only when convenient. Maybe one a year no other need to use it like I said I have a car. I called my card company Chime regarding the issue. I was told since I used the card to pay for the XXXX there's nothing they can do.I have never heard of anything like this I just want them to stop charging me for whatever they are charging me fir the past 4-5 months. I have called both chime and uber with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX 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 ) you have on file of the accounts listed below. Your 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 verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

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 2018-01-07
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This company appears to be incredibly corrupt. When I was in high school, my parents unknowingly used this company for the majority of my loans, probably believing they were connected to the state itself ( as indicated by the company 's title ). When I graduated and did not have a job within my career, they did not allow any income based repayment or deferment, so I was forced to pay $ XXXX monthly from about a month after I graduated ( this does n't include federal loans I also owed ). I graduated almost 7 years ago, and my payment has only moved down to {$490.00} after consistent monthly payments since then. Roughly, I have already paid them over {$40000.00} with no late payments, and my balance is still somehow greater than {$40000.00}. I feel completely entrenched by this company, and there is no end in sight because they are a private loan provider. Their website is horrific, their customer service nonexistent, and I ca n't find any information about the company 's " acting director '' except that he provided incentives for students to write 5 star reviews on XXXX XXXX. I just believe something needs to be done about these business practices, and the source of their income needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MI
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 numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
Company: Prince Parker & Associates
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I used to have internet service and a rented modem from XXXX XXXX XXXX. In XXXX of 2020, I moved out of state, and set up service shutoff with XXXX XXXX XXXX and received equipment return instructions over the phone. I followed these instructions ( basically a XXXX  dropoff ) and on XX/XX/2020, I received an email from XXXX XXXX XXXX that acknowledged return of the equipment. In the months following, I began receiving bills and calls from XXXX XXXX XXXX saying my account had a balance as a result of failure to return equipment. Each time, weather they called me, or I called them, I followed up with XXXX XXXX XXXX until their representatives told me that the issue had been resolved, my account had been settled, and I didn't owe anything. Apparently, those reps were lying, because I received a collections letter from Prince Parker and Associates attempting to collect the balance on the account that XXXX XXXX XXXX told me had been fixed. I had another 8 hours of calls with XXXX XXXX XXXX and Prince Parker trying to settle the issue. At no point during any of my calls with Prince Parker did they tell me I had an option to dispute. Both XX/XX/XXXXand Prince Parker have hidden contact information for an alleged department at XX/XX/XXXXthat can handle my issue, although both companies acknowledge that the department exists. Prince Parker refuses to provide adequate documentation of the dispute that I eventually managed to file ( at the suggestion of someone from XXXX, Prince Parker never told me that I could dispute ). They also refuse to address my dispute in a timely manner. Prince Parker also claims they sent out a first letter in XXXX, which I never received. Given that both of these companies seem dishonest and intent on XX/XX/XXXX over their customers, I assume it is because they never actually sent the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Huntington Debt Holding LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of my account was XXXX XXXX XXXX  was sold two different times. It was paid in full {$3900.00} to XXXX XXXX XXXX XXXX. The original Balance was XXXX with XXXX XXXX XXXX. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX by mistake transfer {$1000.00} to someone I dont know but is on my XXXX list. With XXXX I found out is wrong, I try to contact the Bank of America XXXX but is too late, Bank already cly. The next day I went to the Bank Of America, they told me chance is very slim and ask to contact 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 2021-01-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX a fraudulent charge was made on my CHASE debit card for XXXX $ at a XXXX  gas station in XXXX, CA at XXXX. 
less than 20 mins from the charge being made i called CHASE and reported the charge. 
on XX/XX/XXXX the fraud claim was reversed with the reason being that because a pin was used and because the XXXX gas station is within 10 miles of my residence that that charge could not be considered fraud. 

i escalated my claim to the CHASE executive office and I recieved the same denial with the same reasons being stated. 

i almost never shop at XXXX, in my past year of purchases i have a history of 3 other XXXXl transactions, with only one being absolutely sure that i DID NOT make. 
XX/XX/XXXX I DO NOT recall making this purchase -- -- -- -- -- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX XXXX -- -- -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX -- -- -- -- -- -- -- -- -- -- -- on XX/XX/XXXX i bought a gallon of gas to get me home ( i live in XXXX ), XX/XX/XXXX i bought a gallon of gas for a little generator. 
XX/XX/XXXX this charge stands out because i was working in XXXX XXXX but never visited a XXXX  gas station out there. 
Lastly the charge on XX/XX/XXXX came from a XXXX gas station in XXXX i have never visited before. 

the only instance that i had been in that area around that time period was shopping for a car at a small private car dealer diagonally across from the XXXX gas station. 
the car dealer is called XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA I have a feeling that there is a connection between the car dealer and that gas station. 
I gave the info necessary to see about getting approved for a used car and did not follow through in making a deal. 
This is the only time I have been in XXXX recently, other than driving by. 

I HAVE NEVER FILED A REPORT FOR FRAUD IN 8 YEARS I HAVE BEEN WITH CHASE. THIS IS MY FIRST FRAUD CLAIM XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I hope this complaint reaches you with a sense of urgency and concern, as it reflects the continued frustration and disappointment I have experienced in my dealings with your credit bureau. I initially contacted your bureau in XX/XX/ to report a severe case of identity theft that has caused significant distress and hardship in my life. Despite providing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in resolving this matter. I am compelled to label your bureau 's response as a " nuisance '' because, despite numerous attempts to engage with your organization, I have not seen the progress or resolution that one would reasonably expect in a situation of this gravity. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-12
Company: EQUIFAX, INC.
State: TX
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. 

, Account name : # XXXX acct. XXXX Account name # XXXX XXXX acct. XXXX XXXX # XXXX acct. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MO
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
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 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.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There Are Inquires On My Reports That I Did Not Authorized, Plz Delete All Inquires On My Report. My Information Was Compromised Online. I Would Like These Removed!

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 2020-12-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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:
In XX/XX/2017 we moved out of XXXX XXXX XXXX XXXX from XXXX CA. We disputed the final settlement amount in XXXX XXXX small claims court. We paid the disputed amount in full directly to the XXXX XXXX XXXX homes after court ruling. Please see the supporting documents which shows no dues. However, Fair Collections & Outsourcing ( FCO ) reported a collection account to credit agencies and later marked it as paid in full. We never interacted with FCO or paid anything to them. The account is closed by the apartment company satisfactorily and we still live in another apartment with the same company. 
I tried to reach out to FCO to resolve this but they were very unprofessional and absolutely denied to look in to this.

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 2023-06-15
Company: EQUIFAX, 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 my several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief