BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
i am submitting a complaint for accounts that came back on my credit reporting agencies such as : ( Experian, XXXX  and XXXX  ). 
i had disputed and mailed my police report ( FTC report to all three bureaus and creditors ) that i had been a victim of ID theft, therefore these accounts were opened under my name with out my knowledge. these inaccuracies were removed but XXXX had placed back this inaccurate account to Experian without notifying me of this reinsertion this is an inaccurate information reporting under my name, this ought to be removed. 
this is a serious complaint to Experian and all three other three major credit reporting agencies that re insert inaccurate information without seeking out to the client. 
please have these resolved.

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 2023-10-26
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 at approximately XXXX. My account was breached and funds were took in out for a total of XXXX. Phone number including pin and password were changed in my account. They suspended my account because of a money transfer now I have no money and chime isnt giving me answers. They unauthorized merchant was ( XXXX ) for a total of 4 times adding up to the amount listed above. The bank is also sending me fake emails to portray as them to reset my password information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: KY
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:
I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i received a letter from XXXX XXXX stating that i owe {$87.00} to creditor : XXXX XXXX. from an account back in XX/XX/XXXX. 

I called the creditor XXXX XXXX  and ask about the account and they said that i paid the account in full and nothing else was needed. Costumer Rep sent me an email stating that my account was pay-as-agreed and nothing was sent to collection services. 

Therefor i called CCS, they asked for my file number stated in the letter from them and to verify my address and name. Informed them that i called the creditor and ask about the account debt, and that i have received a email from the creditor stating that the account was payed as agreed. CCS asked me to sign up on their website for a " email services account '' to show them the email from the creditor

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: AR
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:
Remove Fraudulent XXXX XXXX Account from my credit file immediately! I was contacted by XXXX XXXX and informed that I was a victim of the XXXX XXXX Data Breach which resulted in this fraudulent account being opened in my name. XXXX XXXX promised Free Credit Monitoring and Experian did ABSOLUTELY NOTHING despite being contacted by XXXX  XXXX regarding this matter.I WILL take legal action against Experian if they continue to evade FEDERAL CONSUMER LAWS for their own financial gain.

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 2017-12-12
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt showing on my credit report from a utility company that was turned over for collection in XX/XX/XXXX. It says I was a cosigner on an account. I have never cosigned for anyone.

I called the utility company and they looked through their records and the only thing they show is my current account which is the only account I have had in my name since XX/XX/XXXX. 
I have contacted the collection agency twice and they do n't show any accounts with my name or social security number. 
The girl I spoke with yesterday said she cant do anything without the name of the person I cosigned for. Since I did n't cosign for anyone I do n't have a name to give her. 
She said there is nothing they can do so they wont remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Harpeth Financial Services, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was originally for XXXX and {$200.00} payments then suddenly they went up to {$400.00} every other week I was struggling to make them and nothing was coming off the principal. The terms were not clear and I feel like it was a scam how can a XXXX loan turn into owing XXXX in default when I have made over XXXX in payments. They have now filed a small claims against me in the amount of {$4600.00} stating they are writing off XXXX. I have requested several times a list of all of the payments I did make and details as to how I could possibly owe {$6100.00} and they have not produced this instead they filed a small claim which I will be disputing. I am also looking for others with this issue to possibly file a lawsuit against this company 's shady business tactics. Taking advantage of individuals who are in need of a short term loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Credit Karma, LLC
State: VA
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 with product or service terms changing

Complaint:
Credit Karma claims " We now check both your XXXX and XXXX credit score and reports every day. While scores and reports typically dont change daily, well update your data when they do.

Keep in mind that lenders dont always report information to the credit bureaus right away. If youre not seeing information you expected, its most likely that your bank or lender hasnt reported to the credit bureaus yet. '' they are claiming to check credit reports daily everyday, this is false as I have a subscription with XXXX and can in fact see that my XXXX report updated many days before credit karma updates. This is false advertising and is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following item from my credit report, which are the result of my falling victim to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Healthcare Receivable Professionals, LLC
State: SC
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:
I have contacted XXXX XXXX serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX XXXX  credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Byrider Franchising, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Jd byryder ran my credit and told me they would not be able to get me a loan for car. Then sent my a letter stating they can give me loan for car. When I called them they said no, we will have to wait until 30 days from the time u 1st applied and then run your credit again. Well Im getting denied due to to many inquiries. But these companies send FALSE misleading info to get the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$340.00} to which I do not owe. I've never used their services. The name they are using to try to sue me for is not even my name, it's just similar. I was under the impression that the company was going to fix it after I spoke to them and a year later it's still there on my credit report trying to collect money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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: Account status incorrect

Complaint:
I never got a mortgage with XXXX XXXX XXXX XXXX and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened dateXX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today XX/XX/XXXX at XXXX after the mail ran. I got 2 letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and XXXX XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid two payments toward 1,000 Life Loan that I did not get to use. I was XXXX from this band still not able to work nor do I have a car or a way to earn money and do not have enough work credit to collect more than XXXX a month and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. I am sick. The accounts keep coming back as verified and a professional hacker that charges 3,000 an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked 23 times and they have key loggers on my account. I have had to move 53 times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had XXXX XXXX used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every 15 seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for 1200 bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXXXXXX XXXXXXXX and XXXX and so much more. I want this handled after l8 years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2018-02-11
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:
I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. 

They have refused to properly investigate my dispute and delete the unverified accounts.

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 2019-10-31
Company: CITIBANK, N.A.
State: CA
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:
Attempted to use XXXX ( and Citicard ) to make hotel reservation at XXXX XXXX, XXXX XXXX Oregon XX/XX/XXXX. Upon arrival no reservation had been made. I spent XXXX minutes trying to call XXXX to no avail, no response, no help from XXXX. XXXX XXXX clerk was very helpful and said he frequently noticed problems with XXXX. So we used our Citicard XXXX to pay for room. After receiving our next card statement we noticed 2 identical charges for {$100.00} for the same date : XX/XX/XXXX. 

Complaint is that XXXX did not provide any tangible or useful service, yet they billed us as if they did. Two complaints have been made to Citi and they just repeat the statement from XXXX that they will not accept this chargeback, and that XXXX did make a reservation. That is not true. A useful reservation was not made, and XXXX at that time had a total lack of any practical, timely customer assistance. As of this date ( XX/XX/XXXX ) we have not been made whole and we are out {$100.00} due to XXXX 's breakdown, and lack of any reasonable support or consumer advocacy from Citi.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  XX/XX/2022

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 2019-04-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
onXX/XX/2019, I sent MCM a debt validation letter which stated that they must cease contacting me by way of phone, and that the only acceptable communication was through mail. On XX/XX/2019 they sent me back a computerized letter, without a wet ink signature, simply stating that the debt had been validated as accurate. Nothing more was provided, and therefor they are in direct violation of FDCPA laws. On XX/XX/2019 I replied to this letter in which I stated that they are to cease and desist all contact except by way of mail and that the debt needed to be accurately validated, per the laws set forth for collection and collection agencies or the debt needed to be deleted immediately from all CRA reports immediately as they did not validate it within the 30 day given time frame. On 04/03/2019 I received an email from MCM contacting me about the alleged debt. This is a direct violation of federal law, FDCPA ( XXXX XXXX. XXXX to XXXX )! I will take further legal action if necessary if my demands set forth in myXX/XX/XXXX letter are not met expediently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C systems will not provide information about an account I do not have with XXXX. I have no knowledge of an account with XXXX  being closed on in XXXX. IC systems says a collection account was opened in XXXX for the closed account. They will not provide an account number or anything for me to contact 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