BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: MD
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; STUDENT LOAN XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$31000.00} XXXX STUDENT LOAN XXXX XXXX Balance : {$44000.00} XXXX XXXX  XX/XX/2021. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. I have been fighting this account for one year. I got a letter from them stating this account doesn't belong to me. I have had issues and when you call and talk to them no one knows what they are doing. I have supplied all documents and until this day there is no proof of any signatures or any contracts. They had blocked this off from my bureau now once again it's on my credit I have a letter from them date XX/XX/2022. How is this possible that I'm being harassed to pay a debt I'm not responsible for?? I will file a XXXX complaint this is costing me a lot and at this point no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX my Equifax credit report was showing 1 collection account in debt which I disputed and 1 paid negative account. On XX/XX/XXXX my Equifax credit report shows 11 Collection accounts and 2 Negative accounts of Thousands of Dollars in debt. I called several of those collections agencies giving them my social security and my personal information and they dont have me in their records. Equifax is reporting inaccurate all these accounts cause do n't belong tome and they reported all in one day. I need an investigation to be follow towards my Equifax credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I am writing to formally file a complaint against Upgrade , Inc., in relation to my Personal Credit Line from XXXX XXXX XXXX through Upgrade , Inc. On XXXX, I received an adverse action notice from Upgrade , Inc. stating that my credit line was no longer eligible for new draws. The reasons provided were : Serious delinquency, and public record or collection filed Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Proportion of loan balances to loan amounts is too high Number of accounts with delinquency It is crucial to note that these items have since been deleted from my credit file after filing complaints numbered " XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, '' and more. Despite this, Upgrade has not reversed their adverse action. 

Violation of 15 U.S. Code 1691 - Scope of Prohibition and Discriminatory Activities This action by Upgrade , Inc., is discriminatory as outlined in 15 U.S. Code 1691. The adverse action was based on items that have been removed from my credit file. This means that the reasons for reducing my credit line are no longer applicable, but the action has not been reversed. 

Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Additionally, I cite a violation of 15 U.S. Code 1681m, which states that the user of credit information must disclose the nature of the information leading to adverse action. While Upgrade , Inc., did provide initial reasons, they have failed to rectify their adverse action after the mentioned items were deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2021-12-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is account have been on my credit report for over a year. The account in question is from TransWorld System. Medical from that I did not know I owed. Once I found out it was on my credit I paid the collection agency in full. Ive tried disputing this off my redirect report for more than a year it will be two year in XXXX. The account in question is on XXXX credit report. This is now appearing on my report as a charge off. I tried XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX. I also sent numerous disputes to XXXX and their refusing to remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: FIRST PORTFOLIO SERVICING INC
State: NY
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:
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX  reported late payments on XXXX and XXXX. 
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX reported late payments on all 3 bureaus. 
XXXX XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
DeptedXXXX reported late payments on all 3 bureaus. 

In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they called during the time i was at work. i kept receiving the calls through out the week so i picked up and during the conversation they were trying to identify some debts that i willing to settle with them during that conversation i did ask for an employee number and asked for me to consider this a legit phone call i would like something in writing or emailed about the two account i did verified with them about two defaulted credit cards and while i told the representative to hold on a sec she casually slipped some third acct that i allegedly owe while i was speaking to my worker and then what seemed like she took that piece of recording as confirmation of that debt validation which was personal loan from XXXX XXXX according to my credit report. after that the conversation became unfriendly and difficult and never received and letter or email or phone call from them as i recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i had numerous phone calls asking my name and to verify my personal information with out them identifying who they are. they dont identify themselves as a person or from which company. all they say when i pick up is may i speak to me and it is regarding a buisness matter and when i ask who is this they dont confirm who they are i keep getting several of these calls in a day and throughout the week i believe that it could be from midland credit managment they are the only known ones that have been contacting me with mail about payment plans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Fair Credit Reporting at XXXX Account XXXX XXXX XXXX loan 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Chime Financial Inc
State: CO
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I believed I was purchasing one bottle of ACV+Keto from XXXX for {$6.00}, which was advertised. I clicked on the link from XXXX and was taken to the site where it asked if I wanted to purchase one bottle for shipping and handling. I clicked yes, then asked if I wanted to add more bottles I clicked no. Next thing I know I received an alert for a purchase from my Chime app and I looked at it and seen {$190.00} was charged to my card. I immediately tried finding the phone number for the company and it was very difficult finding contact information. So I contacted Chime right away and told them I was charged incorrectly. Chime opened a dispute. XXXX Chime emailed me stating there was no billing error and I would be responsible for the {$190.00} charged. On XX/XX/2022 I forwarded to Chime the email I received from this company after emailing 2 companies I thought could be the one that incorrectly charged me. I called Chime on XX/XX/2022 to see why dispute was denied and I was told by the agent it was incorrectly closed for receiving incorrect product. I never received a receipt from this company that charged me incorrectly. I just received another email from Chime XX/XX/2022 " We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. '' I know I was charged incorrectly, never received a receipt, have not received any product, and I feel the decision Chime has made is incorrect and I do not owe {$190.00} for bottles of a supplement I did not want. I was willing to pay {$6.00} for one bottle that was advertised. There was no checkout page on this company 's website for me to even be given a chance to back out of buying anything. This is a scam and the financial institution I trusted to protect me and my money has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inaccurate information that keeps getting reported on my Experian report about my Home Depot credit card from XXXX ( XXXX ) They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.

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 2023-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the credit card Chase Freedom unlimited after receiving a promo offer in the mail It had promised " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. *Same page link to Offer Details Plus, earn 5 % cash back on combined gas station and grocery store purchases ( excluding XXXX and XXXX XXXX *Same page link to Offer Details on up to {$12000.00} spent in the first year. * '' XXXX XXXX XXXX I signed up and fulfilled all the requirements I received no bonus and was informed after escalating the matter to the manager that i was not entitled to the {$200.00} and all i would receive was 1.5 % cash back This was a bait and switch, i would have never signed up for the credit card if i wasnt misled in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX  between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

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 2023-08-29
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 XXXX I emailed chimes Customer support and explain to them that Iam a new father I just had XXXX XXXX and I just came home from being in XXXX. 
I wasnt trying to give some sob story just the truth.. so I asked how can I access my account without the original email and or cell phone number I signed up with.and so when I get a response back on XX/XX/22 @ approximately XX/XX/22 a little after XXXX there employee XXXX stated. Thank you for reaching out to Chime Member Services. For security purposes, if you are a Chime member please contact us again from the email address associated with your Chime Account or in the chat feature of your Chime app. 

If you are a Chime member and can not access the account email, please verify your identity with a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. 

I'll be happy to further assist you in updating your account email address and phone number after. 

Thanks, So I did as I was told and responded back with a picture of my id a piece of paper stating Iam me and the date and time and so Im waiting and now its a different employee emailing me buy the name of XXXX and on XX/XX/22 at XXXX had stated Thank you for reaching out to Chime Member Services. Rest assured that I am here to provide you with the best assistance! 

Please let me know if there's anything else I can help with. 

Thanks, XXXX | Chime Member Services A while goes buy and then I get a email from another employeeemployee buy the name of XXXX and on XX/XX/22 he states he told me they determined my account is being closed because it doesnt match with something and when I continued to try to talk to him as to why whats cause is justified to close my account and he just kept saying read the terms and I said I have and yr stating why my account being closed just not even responding at this point to non of my emails that account still had XXXX bucks So I simply as if they would at least send me my money in a check but I havent received any response and so I asked to get there supervisor to call me and no response nothing I really need my money.

Company response to consumer: Closed with explanation