BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have a credit freeze on our accounts for added security. We needed to unfreeze the account when changing cellphone carriers. Without our request or approval Experian signed us up for so called " memberships '' for " credit alerts '' and notifications. We now get many emails about " new '' credit changes, for example when the balance changes on a credit card. It appears to be impossible to cancel or unsubscribe from this Experian " membership. '' You also get promotional offers. 
If you unsubscribe from the part of Experian they allow you to unsubscribe from you get this message : " You're now unsubscribed, If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in '' Followed by : " Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. '' I need help to get Experian to cancel this " membership '' that I never signed up for. They should not be allowed to force you to receive emails from them without a way to unsubscribe. We do not receive this type of marketing or emails from XXXX or 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 2023-05-03
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm addressing FCRA violations, specifically 1681b ( a ) ( 3 ) ( f ) ( i ), related to unauthorized inquiries on my TransUnion report. These were made without my consent and I have no transactions or accounts with these corporation. The FCRA only allows obtaining a consumer report for authorized purposes or as certified under 15 USC 1681b ( f ).

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 2023-05-03
Company: EQUIFAX, INC.
State: IA
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: GA
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 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 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.

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX  has deleted some of these accounts because they have respect for the law and my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: ClearPath Lending
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am providing a copy of a solicitation letter I received from Clear Path Lending. This letter is VERY misleading and, in my opinion, exhibits an intention to confuse and concern the recipients. This letter implies that a loan has already been made at a previous time and that payments are coming due in the near future. It is very difficult to ascertain that this is a letter soliciting business and not a notice of payment on an existing contract. Is there anything that you can do to control the communication of these companies so that they are required to be transparent in their intentions? I generally just toss these in the trash, but this one was confusing for both me and my husband. I felt this warrants a complaint.

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 2022-12-15
Company: JPMORGAN CHASE & CO.
State: OR
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 had a trip to XXXX XXXX for vacation with my wife. We sat outside a XXXX XXXX  and had a few drinks. We had our card on file as we had to do that to have an open tab. We left the XXXX  and the next day noticed charges that were not ours but from some random group that was sitting next to us. The merchant charged us for their drinks. We disputed the charge multiple times and were told it was a legitimate charge and it was denied. I asked it to be reconsidered multiple times which I had to write a letter and fax it in as the would not do any reconsideration over the phone or email. I believe this is a tactic to cause so much time and frustration most people drop it. I asked Chase more than 10 times now for evidence that I signed for transaction but they will not provide it. I have asked Chase more than 10 times for arbitration as the contract says I have to arbitrate it. I reviewed this with a lawyer and he says I could file small claims or a direct arbitration but both of which are multiple times more than the dispute. I have found multiple articles about this fraud on our local XXXX news that Chase did the same thing to many others. I want to join a class action or other ability to get Chase to stop denying these legitimate claims and uphold their contract which they are in breach. Please help. 
Chase dispute claim # XXXX XX/XX/22 XXXX XXXX XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a previous complaints with a long statement which included multiple fraudulent accounts at the time I did not realize I can submit more than one complete so my apologies about that. 

This complaint is regarding national credit systems. I have two different collection accounts on my XXXX XXXX XXXX, and XXXX report in which I have never lived at these properties, as I stated before, in the previous complaint, I have no knowledge of applying for this apartment, Nor have I ever lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX of XXXX I purchased XXXX XXXX  XXXX and used my chime card to pay for it. As of this date of XXXX XX/XX/XXXX I still had not received my couch so I fought with XXXX to finally agree to get my money back however they kept saying they were unable to send me my money back though chime. I then contacted chime and went though the customer service which when talking to them agreed that I should get my money back and started a dispute for me. I provided proof of the merchant stating that the best course of action would be to get chime to reverse the transaction to get my money back. However, Chime and their dispute department failed to actually do anything and they simply denied my claim. I have proof of the cancellation from the merchant and confirmation that I should get a refund back. I sent all the screenshots yet again to chime and got denied again..Chime seems like isn't investigating anything or reading any of the provided evidence when claims like this are occurring which is unlawful. I have all the proof of XXXX stating my refund should be provided to me back from Chime. Please investigate Chime and their bad practices with consumers like myself, also hoping I can rectify the situation and get my money back. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Fay Servicing, LLC
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:
Upon reviewing my credit report on XXXX, I noticed an unfamiliar company was added in XX/XX/2022. I disputed the company being on my report & learned that it was a mortgage account with my son in law as the primary account holder. I have never lived at the address. The account showed a never late status. I was NOT notified of the transfer of the original loan to this company, nor do I have ANY account information including an account number or contact information. On XXXX XXXX, I was notified that my FICO had dropped XXXX points from XXXX to XXXX. I immediately wrote a letter to the mortgage company & sent via XXXX from an address on my XXXX credit report to a listed address for the company in Texas. The letter was returned as undeliverable to me XXXX weeks later. I attempted to re-open my dispute on XXXX & have been denied. I personally have not made a single late payment in 30 years & enjoy exceptional credit which I've worked very hard to maintain. Again, I have no knowledge of this account other than that it is 30 days late. I would have worked out a payment had I known just to protect my credit. I feel that this is totally unfair credit reporting. In my attachments, I'm also submitting correspondence I made to NY XXXX Department XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I lost my job and fell into default with my car loan i am a single mother and i really needed my car i asked to try and refinance to at least help me lower the payments the company said no i tried to make arrangements to settle the back payments i owed once i found a job again. Again the company said no. They wanted me to come up with all the money from the  3  payments i was behind. I was unable to so they repossessed my vehicle. Now they are calling me telling me i owe  XXXX  dollars to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: WA
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/2020 I was browsing the XXXX website to see what the price of pre-sell tickets were to a concert I was planning on going to. The tickets didn't actually hit the market until XX/XX/XXXX. In order to get to the final page with fees and total, you have to input all your billing and shipping information. I saw that the price was 4 times the amount of face value ( XXXX for 3 {$120.00} a piece tickets ) and decided that I would take my chances getting logged in on the XXXX on XXXX to get them. As I was exiting the XXXX site, my screen changed to " Thank you for the Purchase '' and I did not ok the charge. I immediately called XXXX to tell them that I did not authorize that charge and to cancel the order. They continue to tell me that they do not cancel orders and that I was stuck with them. They said that my only option was to resell them on their site ( although the very next day XXXX posted that they are not allowed to sell these tickets due to it being a Charity event ). Without thinking that I had an option to dispute I had them put it up for resell. All this happened within 15 mins after the ticket was charged to my account. The dispute app on my phone said I had to wait until the charge was off pending before I can file a disput so I waited until it did which was XXXX XXXX. They initially refunded me while the investigated it. On XX/XX/XXXX they reversed the credit saying based on the information the reversed the credit and to show proof of cancelation which I only had a phone call to try and cancel and a respond email fro XXXX saying sorry about issue with order. I appealed the claim with Citi and the reopened the dispute on XXXX. They responded with they still will not help in my favor. At this point, I was promised by XXXX to recieve the tickets by XX/XX/XXXX. I did not receive the tickets and they were available to be transferred for over a Month by that time. So now tried to reopen the dispute for the reason of I didn't recieve the merchandise that was promised ( and I didn't purchase anyways. ) Citi reopened my dispute for 2 more weeks the replied that Since I tried opening a dispute with a cancelled charge first that was a conflict of statement with I didn't receive the ticket. Although they are different reasons and I acepted they were not going o take care of me for an unathorized purchase, I feel that Citi should be responible for taking care of their customer for not receiving good by the promised date of XX/XX/XXXX which I have proved proof of. I feel that I am getting the run around by to major corporations and that I have been a victim of fraud by Citi and 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 2020-07-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC, XXXX XXXX and XXXX XXXX XXXX have been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.

Company response to consumer: Closed with explanation