BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dept collection attempt made by " National Credit Systems Inc., in the amount of {$410.00} '' Debt belongs to ex husband. I asked for proof that debt belonged to me. They declined to provide proof and said it was information provided by the leasing company seeking payment. I contacted leasing company and received a copy of the " lease holder modification '' form they have on file stating I left the leases legally and with nothing owed. Employee of the debt collection agency refused to allow me to send a fax or email, stating I could send proof in the mail at cost to myself. 
Also agent stated the " final notice '' I received was the second attempt at contact. The first attempt was confirmed verbally by agent as sent back to sender for wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery purchased an old debt from XXXX XXXX XXXX XXXX which I believe is a XXXXXXXX XXXX card. I contacted them about the validity of the account amount and dates which I believe to be incorrect and recieved no proof in return. They began reporting delinquancy on my credit report and changing the year of the account open date to more recent dates in order for it to remain on my credit report. I disputed with the credit reports and the only resolution that came from it is the account now states dispute resolved, cunsumer disagrees. Not only are they reporting wrong information damaging my credit but they call multiple times daily, at odd hours, from different numbers, sometimes leaving messages pretending to be legal companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018 I went to Experians web site to check my FICO as I receive free FICO scores from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I wanted to compare credit reports. Experian offered for {$1.00} a FICO score and part of the offer was to cancel at any time. I tried to cancel immediately at the link provided but instead of cancelling the link automatically created a membership and upgraded it to {$24.00}.

I tried on numerous times to cancel via emal and this is an examle : I have NEVER subscribed to your service yet you have unlawfully taken {$24.00} from my visa account and plan to do it again on XX/XX/XXXX.

I tried to take advantage of your free 30 day trial to see my FICO score and then tried to immediately cancel because I get my FICO from XXXX XXXX XXXX and XXXX and XXXX and XXXX so I did not need any more information from you, I tried to cancel but the number you provide does not let you cancel but cause an upgrade.

AGAIN I never authorized you to bill me for ANYTHING.

I will dispute your attempt to bill me on XX/XX/XXXX. I think what your are doing is both un ethical and illegal and I will be filing complaints with the regulatory agencies and ask legal counsel if I have the grounds for a class action suit to stop your disgraceful practise.

mysignature.jpg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX last 4 XXXX I have received two dozen solicitations from Experian but none dealing with my inability to cancel. I responded to every email that my intention was to cancel the free trial for which I was billed {$1.00}. Apparently Experian has taken {$24.00} from my visa card for the past two years and they were never authorized to do this.

I can not get them to stop emailing me and I am awaiting the {$24.00} bill on my XXXX XXXX XXXX visa so I can formally dispute this, I have talked to XXXX on the XX/XX/XXXX about this unauthorized charge,

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 2023-04-07
Company: Experian Information Solutions Inc.
State: MO
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 am extremely displeased that my dispute regarding multiple items on my report has been blatantly ignored. It is imperative that you fulfill your obligation under the FCRA and take immediate action on this matter. Failure to comply with the law will result in me exploring the option of taking legal action against your company. 
XXXX XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. 
XXXX XXXX Balance Owed : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX Balance Owed : {$460.00} - Your company 's incompetence is on full display with this charged-off account still showing a balance on the statement. I demand that you provide an explanation for this egregious error immediately. The balance is unequivocally inaccurate, and it is your responsibility to correct it by either setting it to XXXX or deleting the item altogether.

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 2017-05-16
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
In accordance with Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

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

15 UCS 1666B As a creditor you may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Financial Management Solutions, LLC
State: MD
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:
FMS/ FINANCIAL MGT SOLUTION XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX XXXX HAS BEEN TRYING TO COLLECT ON A DEBIT I DIDNT OWE. IN 2015 DO TO A XXXX XXXX XXXX I WAS INVOLVED IN A BLOCK OR TOW ( 2 ) FROM RESIDENTS RENTAL OFFICE LET ME OUT & CLOSED LEASE. THEN YERAS LATER OUT OF NOWHERE FMS IS TRYING TO SUE AND/OR COLLECT. THEY HAVE BEEN RUNNING MY CREDIT WITH OUT MY CONSENT OR KNOWLEDGE, MADE A INQUIRY ON MY CREDIT THAT I'M TRYING TO GET REMOVED. I HAD TO PUT A FREEZE ON MY CREDIT BECAUCE OF THEM AND RECENTLY THEY FALSIFIED A PAYMENT HISTORY OR CREDIT OF XXXX XXXX  MADE TO KEEP THIS ACCOUNT CURRENT AND ON MY CREDIT.

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 2021-07-23
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX  and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. Capital One states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 USC 1681 s-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 2022-12-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in 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/block any items listed on an id theft 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : USDOE/XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2022-12-07
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 XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 
Account name : XXXX XXXX -Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX 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 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 2023-10-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I was issued provisional credit on my account for an unauthorized transaction I filed a dispute for. On XX/XX/2023 I made several transaction moving money in and out of my account. I placed an order for XXXX online to be picked up in two hours, 3 items totalling {$78.00}. Upon looking at my account ofcourse the outgoing money was deducted from my account but still under the pending section of my account. Not even an hour after the transaction was done I received an email as well as phone alert from XXXX saying that two items I had ordered weren't in stock so that left one item only available to be picked up. Which was only {$5.00}. Being since the more important 2 items were canceled I then shortly after decided to cancel the one item as well. Me thinking that my funds would be returned to my account once the payment posted and was no longer in pending state. My assumption that posted transaction meant that all refunds payments were received and The transaction needed nothing more because it was considered completed. However the posted transaction that was pending at {$78.00} had posted as {$5.00} and still no sign of the the money from the other two canceled items on the same order that had been canceled and according to XXXX returned in the same day. Yet once the payment posted. Still nothing in my account. Do do apparent foul play on Chime Banks behalf. I contacted Chime in hopes to resolve the issue only to be asked the same questions repeatedly and directed to several different XXXX to some other department to so called better help me with my case Today I've been sitting all day in hopes for a resolution for someone to get a clue do the math and see that my funds are missing have apparently disappeared to somewhere but what I can sucks you is it sucks that we people have put our trust and faith in such an unprofessional establishment and trust that these people holding such incompetence. That simple adding and see that my money is missing and make the needed corrections instead I waited days to get some automated response not even in relation to what I'm taking about. I want my money plus some for the hard time and the struggle. Money in compensation for my time spent waisted in attempt to reach out to them in hopes to come to a resolution. But that's gotten me nowhere. Thanks for taking the time to review and my complaint.

Company response to consumer: Closed with explanation