BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: U.S. BANCORP
State: GA
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 have been a member of XXXX XXXX XXXX for a number of years and have a VISA card with them. I recently received a letter that stated on XX/XX/19 their cards were being switched over to Elan Financial Services. The letter stated I could " opt out '' of the transition if I chose to do so, and needed to contact them by XX/XX/19. The letter went on to recommend I check if I had any rewards points on balance before closing the account and to cash those points out before XX/XX/19. Tonight, XX/XX/19, I contacted the customer service number on my recent bill and was told by Elan services my current credit card with XXXX has a XXXX  balance and a new card has been issued to me. I did not authorize Elan or XXXX to do this and in fact was calling because I want to opt out of the transition. I have a balance transfer check I want to send from my new credit union and place on their new credit card. Elan further stated on the phone that if I closed out my account tonight I would lose all rewards points and suggested I check my point balance before proceeding. I hung up, went to my rewards site, logged in as usual and a message appeared stating " Cardholder does not participate. '' I then called the number on the back of my CC, found my point balance via the automated menu, and then proceeded until a XXXX person answered. After explaining this whole mess, the XXXX customer service person stated " they had jumped the gun '' on the transition. This all violates what is stated in their letter about this transition and I consider it a breech of contract. What recourse do I have to a ) get back my reward points?, b ) stop a credit transfer to Elan, a company I do NOT want to do business with?, and c ) make a clean break with both XXXX and Elan without it impacting my credit? Any help you can offer will be greatly appreciated!!

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit reporting agencies have violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information resulting from the Identity Theft. By submitting this CFPB Complaint, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX  XXXX  XXXX  XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8300.00} XXXX XXXX - XXXX XXXX Opened XXXX XXXX, XXXX Balance {$750.00} XXXX  XXXX  XXX Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$400.00} XXXX XXXX XXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX/XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date 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 2021-02-08
Company: Rent Recovery Solutions
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Rent Recovery has an debt amount of XXXX owed in result of an identity theft for XXXX XXXX XXXX. The amount comes from XXXX And Im just becoming aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-02-08
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been a satisfied customer of Chime for many years. However I recently asked them a question, regarding my account, because there was a login I wasnt sure about. There has been no fraud on my account. Instead of answering my question, or giving me advice, they simply suspended my entire account. That includes both my Spending and Checking account of over {$13000.00}. I could have just asked for a new card in the app, but feel I was punished for reaching out to them instead. I have no other access to any other money. I cant buy food, pay bills, pay for any living expenses. 
They did ask for a copy of my gov. ID, and also a picture of me holding it. I do normally feel that is an OK request to make. However right now I dont have my ID, and I need access to my money right now. This is an emergency. I have gave them a bunch of my work pay stubs, 4 years of my W-2s, my unemployment tax information, copies of my insurance card, my actual chime card, my work ID. I gave them all the information about me that I have. Everything I can to prove my identity. Right now they are not even returning my emails, or giving me a call. They are not working with me at all. I dont have any money without access to my account. Its an emergency situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I sent two instant transfers of {$500.00} to my debit account from my Venmo account .I had not used my Venmo in a year and I did not realize the debit card and account was closed. I spoke with someone at Venmo and they said the transfer had already gone through and to contact my bank. I contacted my bank and they said the account is closed and the payment should be returned back to Venmo. I spoke with Venmo and they said it should take 3-5 days to show a credit. I then spoke with them after some days and they still showed the transfer had gone through. I then spoke with my bank again and the assured me that was not possible to a closed account. I spoke with a supervisor at Venmo and they said the would sent my info over to the escalation dept and they would have an answer for me in 6-7 days!! Huh? I have done plenty of banking transfers and I have never seen one take this long or basically not being able to track the transfer. No one seems to be able to find my money!! Venmo supervisor said she would keep me in a email loop to see what's going on, but no one knows anything. As of today it has been 11 days. This is completely unacceptable!!! Please help getting this resolved! i removed the old debit card and cash out another {$17.00} and it went to the old debit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-02-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

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 2018-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-09-09
Company: EQUIFAX, INC.
State: NY
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 person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-05
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Protected Health Information ( PHI ) was disclosed to AMERICOLLECT without my authorization. By disclosing such private information, AMERICOLLECT obtained individually identifiable information about me, my health condition, and private information regarding my treatment. AMERICOLLECT 's unauthorized access to this information is a violation of HIPPA and also a violation of the FCRA as my right to privacy was infringed upon.

AMERICOLLECT then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. I received an unconsented call from a ( XXXX ) XXXX number on XX/XX/XXXX at XXXX from XXXX XXXX ID Number XXXX ) stating that she's attempting to collect a debt and requested a call back at XXXX. The FDCPA prohibits such behavior from debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation