BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from HUNTER WARFIELD debt collector XX/XX/XXXX saying owed over 3500.00, called and spoke to XXXX who stated I need to file id theft with FTC and submit along with id copy, police report number etc. as I never rented any property, letter had address of XXXX XXXX and he supplied a XXXX XXXX address, both of which have no idea what is and he stated for past due rents/fees and I advised have never rented and do not know what addresses are. 
XX/XX/XXXX, Received another letter, without all info requested per FTC, only a copy of a lease agreement from a XXXX, with several people listed along with name same as mine only different middle name! They could see as inquired on credit, sent id etc, that is not me, yet still want me to pay a debt for these renters unknown to me and obviously not me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an email about two weeks ago from Chime, telling me that my " new card '' was being sent to an address I haven't lived at in over 6 years. Because I have never had a Chime card, I sent them a request the same day to cancel the account. Since then, I have had repeated requests for more information - what email address was the notice sent to ; send us a screenshot of the email ; confirm your current address ; send us a picture of your photo ID and last four of your SSN. With the last request for a picture of my ID and my SSN, I have had enough. I am not going to send an either to a company I do not know anything about and with whom I do not have a relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX Georgia XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXXXXXX XXXX XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-07-29
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I sent a debt validation memo to FIRST FINANCIAL INVESTMENTS FUNDS HOLDINGS on XX/XX/2021 requesting validation of a debt collection in the amount of {$34.00}.

On XX/XX/2021, I received a response memo in reference stating the account could not be verified and was therefore closed via the collection agency.

As of todays date of XX/XX/2021, the accrual still open and reporting falsely and negatively on my credit file with a credit bureau ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Billing dispute for services

Complaint:
I received a text alert on XX/XX/2021 at XXXX XXXX advising Transunion made an unauthorized charge from my debit card/bank account in the amount of {$24.00}. I immediately contacted Transunion via customer support email and request they refund the money ( since it is not me who is responsible for the transaction ), but they refused and would not respond to anymore of my messages. I didnt purchase anything from those scam artists. My identity was stolen ( XX/XX/2021 ), and I assumed my finances would be safe after I reported my issue do the DOL and several other agencies. Clearly I am still a target. I just want the {$24.00} that TransUnion stole from 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 monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: PA
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:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: I.C. System, 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:
IC Systems is reporting a fraud accout on my credit. 
I didnt open this account, nor did I authorize anyone to do so on my behalf. 
Please remove this account from all 3 credit bureaus

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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 have sent all 3 credit reporting agencies written disputes regarding XXXX Bank account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.

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 2021-07-29
Company: Bread Financial Holdings, Inc.
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 01 COMENITY BANK VICTORIA S SECRE ) XXXX ... XXXX  XXXX XXXX ... CCB/CHLDPLCE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update inaccurate accounts. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XX/XX/2021, I requested Transunion to investigate an unjustified 12 point drop in my score which dropped my score from XXXX to XXXX. The 12-point drop occurred after a credit card debt and utilization DECREASE. I thoroughly investigated my report to determine the reason for the drop but there was no legitimate justification. After asking Transunion to investigate and correct this error, they, instead, removed the account without my permission resulting in a 36 point decrease lowering my current score to 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 2023-10-21
Company: EQUIFAX, INC.
State: FL
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:
Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ;XX/XX/XXXXXXXX Balance Owed : {$920.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXXXX/XX/2023. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate. 
15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX. Aka. Block inc. Payment service company is holding funds for unjust reasons they suspend it transfers they are requesting information that they don't need I've requested to close the account however they continuously hold the funds it's been over 90 days they have no reason to hold the funds and they repeatedly do not solve any issues they requested bank statements to understand information however they use a company called XXXX  previously my bank account was compromised due to hackers and I do not feel safe and I feel I should not have to give them this information for them to release almost {$1500.00}. This company is unethical and has bad business practices they hold people 's money for no reasons they suspend transfers they are very difficult to get a hold of an unethical. Address : Square Headquarters ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX... 
XXXX Multiple phone calls to this organization the phone number is no longer in service or it gets to the point where they hang up on you. Resolution I wish to close the account receive my funds and no longer do business with this company I've stated that and they continuously refuse I'll be sending them a certified letter where they have to sign for it I will look at whatever options within the law and I would like to go after this company to the full extent they are belligerent and they do not care I can provide copies of emails showing that they suspended the account the original date was XXXX of 2023. They have no reason to hold the money. And I have not received any explanation only to the fact that they want to keep the account safe for what reason I have no clue never had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Account information incorrect

Complaint:
Facts : XXXX The credit reporting agencies has illegally included information on the credit reports. 

Law : *According to the Fair Credit Reporting Act, Section 15 USC 1681a under the Exclusion Section number B anything that was extended or authorized on credit card will be excluded from the consumer report. Credit Card Any card plate or coupon book existing for the purpose of obtaining money property labor services on credit. Remove these accounts, If not you are civilly liable for reporting misinformation, it is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
am writing to request the removal of unauthorized credit inquiries on my XXXX  credit report. My latest credit report shows three ( 3 ) inquiries that I did not authorize.

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 2021-07-29
Company: Kriya Capital, LLC
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Kentucky Higher Education Assistance Authority
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
PHEAA and AES Loan originated with PHEAA was consolidated and was then serviced by AES. The loan amounts are incorrect. I do not owe the amounts listed under PHEAA and or AES. I asked for loan information ie amounts borrowed and total amount owed in XXXX of XXXX. I have yet to receive any information. The total amount of student loan debt listed on my credit reports is far more than the maximum amounts that can be borrowed for XXXX. Essentially, I am being charged XXXX XXXX XXXX dollars in interest payments. These balances are incorrect. Please furnish all loan consolidation and amounts borrowed all information for XXXX PHEAA/AES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and Equifax are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told Equifax as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told Equifax then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told Equifax that as of XXXX I had made no payments. ( See payment sheet and account details Equifax XXXX ) Then they told Equifax that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see Equifax XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, Equifax and XXXX  knows this information. I supplied XXXX, Equifax and XXXX  with copies of all the attached documents a few weeks ago. They told Equifax as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told Equifax that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 Equifax ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/

Company response to consumer: Closed with explanation