BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Chime Financial Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
So last month XX/XX/2022 I opened up an account with chime checking and savings account I first deposited {$250.00} on the XXXX and another {$100.00} on the XXXX which gave me {$350.00} they would not let me open the credit building account because I wasn't doing a direct deposit with my full income so I decided that I did not need their services and I wanted to go ahead and transfer the money back to my account that it came from originally and when they close the accounts they tried to send it back to the account through time that was closed and it was denied I called them to see if we could fix it and they told me no because they account that I had opened they got the money from was canceled and I needed to reopen it I talked to my bank and they'd never heard of that account number like I did I never heard of it and they told me my money was stuck in credit limbo when I talk to my bank they told me to call him back and ask for a tracing number they would not provide it for me so I'm out {$350.00} I'm a low income family with my XXXX children thanks a lot chime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NJ
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-05-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I reviewed my credit report I was shocked to see that there was a 30 day late payment on the dates below : XX/XX/2019 I have no idea how this happened. I believe that I made my payment to you.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, Experian and XXXX XXXX is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of experian and XXXX XXXX report reflecting 30 days late payment XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
This is my third 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. 
XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NJ
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
According to the FCRA information on my credit report should be accurate. The names and addresses listed below should be removed from my credit report. enclosed will be my current Driver License with my name and address that should be shown on my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021, {$400.00}, {$620.00}, {$800.00}, {$920.00} I HAVE BEEN CONSTANTLY ASKING WORLD FINANCE CORPORATION NUMEROUSLY TIMES TO REMOVE THE FOLLOWING CHARGED OFF ACCOUNT FROM MY CONSUMER REPORT ; THEY WILLFULLY NEGLECT THE AUTHORITY TO DO SO. VIOLATING THE LAW PURSUANT TO 15 USC 1681a 2 ( A ) ( i ) & REPORTING TRANSACTIONS AND EXPERIENCE BETWEEN ME AND CREDITOR WHEN SUCH TRANSACTION DOES NOT INCLUDE ACCORDING TO ANY- section 1681s-3 - ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; WORLD FINANCE CORP IS IN VIOLATION OF NUMEROUS FEDERAL STATUES BY REPORTING A CHARGE OFF ACCOUNT ON A DEBT THAT HAS ALREADY BEEN PAID, WORLD FINANCE CORP IS DEALING IN MONOPLIES WITH SECURITIES, WORLD FINANCE CORP IS COLLECTING TRYING TO COLLECT ON A DEBT REPORTING DIFFERENT AMOUNTS TO EACH CONSUMER CREDIT BURUEA, WORLD FINANCE HAS CAUSED ME MENTAL AGUISH, ECONOMIC DAMAGE, NON-ECONOMICAL DAMAGES, EMOTIONAL DISTRESS, AND DEFAMATION OF CHARACTER BY REPORTING INACCURATE INFORMATION IMPAIRING THE FINANCIAL INDUSTRY. EACH MONTH THE VALUE CONTINUES TO RISE ON THIS CHARGE OFF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivable Management XXXX XXXX XXXX XXXX, SC This company has been reporting on my report and calling me but not verifying information. They will not verify who they are without me giving them confidential information.

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 2023-12-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Affirm Holdings, Inc
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: SC
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 Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-06
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
I had a credit card with navy federal credit Union and I fell back on the payments. Theyve charged it off as a write off and I now want the 1099C form to file on my taxes. It is my right to get a 1099C form

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF THE WEST
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:
Bank of the West again, all they did was steal my money, then just closed my account without warning, or another regard to my banking issues. There so bad that i have pending returns active right now that are going right to there pockets, because they cant be reached by phone at all, they cant be reached by email, and they locked my account so I cant even request a statement or receive and ask for my refunded funds back. I mean who the XXXX dose there bank think they are. Its XXXX and I have no other way to getting a hold of them. they just make up XXXX as they steal my money from me. I hate this bank with every once of hate i have toward a company. They steal your money and there is nothing ANYONE dose to stop it!!!!! So now what, they will respond with a bunch of XXXX, that wont do anything, and they get away with stealing my money again. The owe my XXXX for all the returns that they have keep to them selves. but will i see any of that money ... ... .NEVER!!!

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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Transunion Credit Report. The Date of First Delinquency shows as XX/XX/XXXX ; Why wait 6 years later after the Date of First Delinquency to place this on my Credit Report??!! The original creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The public record for my Chapter XXXX bankruptcy filing is on my Transunion, XXXX, and XXXX Credit Reports until XX/XX/XXXX. The Date of First Delinquency for this Collect Account must have been re-aged to the year XXXX in order to place it on my Credit Report. Re-aging Account dates, especially the Date of First Delinquency, is a serious FCRA offense. I have tried to dispute this Collection Account with Transunion because it is too old, which is past 7 years since the correct Date of First Delinquency ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is holding up processing of my current Home Refinancing application.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I inquired online about a consolidation loan with XXXX on Saturday, XXXX Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from XXXX on XXXX stating that a Credit Decision was made based on my personal information being shared with XXXXXXXX XXXX. I never authorized my information to be shared with XXXX XXXX or any entity. In fact, I explicitly disallowed it. They pulled my TranUnion Credit report without authorization and made a fraudulent consumer credit decision on my behalf.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reporting inaccurately with a XX/XX/2023 late payment. Per XXXX XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.

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 2023-09-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent SYNCB/XXXX XXXXXXXX CARD notice to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed SYNCB/XXXX XXXX CARD that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with SYNCB/XXXX XXXXXXXX CARD . Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm.

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 2023-12-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

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

15 U.S.C 1681 c. ( 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 with 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage is not taking my payment for student loan. I tried paying off my entire student loans two times and both times I have received a payment confirmation ( same day ) and a balance of {$0.00} ( about 2-3 days later ), and remains that was for the next 3 days. Yet they made no attempt to take money out of my bank account and the website payment history states a " Payment Reversal '' a week after I made my payment. Then, their website states the payment reversal was done the same day. Spoke to customer service and it was stated that the reason for reversal was unknown. Company refuses to allow payment and my account continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third or fourth time Tate & Kirlin Associates , Inc has tried to collect money we do not owe. This time for XX/XX/XXXX account for XXXX XXXX in the amount of {$110.00}. 
Reference XXXX on XX/XX/XXXX. 

We did not contact them as we do not think it is wise. You have taken care of the previous times Tate & Kirlin has done this. 

Tate & Kirlin Associations , Inc. 
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation