BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, and Department of EdXXXX Account # XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for credit card as well as loans and was advised that only one inquiry would be made to view credit but later found out my credit was ran by multiple companies and left me with multiple hard inquiries that I had no idea about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried contacting the companys but I get no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hi there, Sallie mae either came to contact or left messages to ; 1. My brother. Who literally just came out of XXXX  XXXX XXXX XXXX  and who literally just purchased a phone that he could afford calling him at work. 
Call was made- XXXX XXXX XXXX. My best friends estranged mother- in- law at her job. Who has no relation to me whatsoever and now is informed of my business, also causing fuse between my best friend and I. 
Call was made sometime last week- I didn't ask for exact date and time since it was the last thing I was thinking about when my best friend was yelling at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, Experian & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed

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 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My address has always been XXXX, Tx XXXX until the XXXX address was changed to XXXX ( or XXXX ), Texas XXXX. The other addresses belong to my sons XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-09-05
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report. 
For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report. 
Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity bank has had their system down for over a month. I have not been able to access my XXXX credit card accounts with them and am unable to view my transactions, check my balance, or make payments. I also have no ability to see if I am being charged late fees due to being unable to make payments on time. I missed due dates on XXXX of my accounts due to their system being down in early XXXX. I have not been able to confirm if those payments have been made or if they have incurred late fees because I can not access my account online. I have not been able to reach Comenity by phone due to their heavy call volume.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter stating that my chase bank account and credit is closed. I went to bank to inquire about why my account was closed, and they did not give me a reason why they closed my account. The bank also stated on the XXXX of XX/XX/2021, my checking account will also be closed. I asked what was the reason for closing my account and bank did not give me a reason. This is discrimination against me as XXXX American man.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed 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 explanation
Consumer complaint received 2023-06-19
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Claim ID : XXXX from XX/XX/XXXX 9 months, STILL wont address the Main Complaint MY DISPUTE IS 1. THE MONEY WAS ACCIDENTALLY SENT TO THE WRONG ACCOUNT. XXXX XXXX XXXX ACCOUNT WAS AUTO-FILLED IN WHILE TYPING THE EMAIL ADDRESS. 
2. THE ACCOUNT THE MONEY WAS SENT to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  PASSED AWAY XX/XX/XXXX 3. THE FUNDS WERE SENT IN XX/XX/XXXX AFTER XXXX had passed away. Money can not be sent to a deceased person. 
4. THE MONEY WAS SENT TO ACCOUNT, WHERE IT CANT BE REVERSED, FUNDED, or SENT BACK, and the ACCOUNT HOLDER IS DECEASED, WE ARE UNABLE TO ACCESS THE ACCOUNT. 

Get a RESPONSE THEY SAY 45 days WHAT? XX/XX/XXXX, Its been nine months, and now you say XX/XX/XXXX. YOU KEEP PUTTING ME OFF 1. Chime couldn't comprehend the dispute and repeatedly replied with a completely irrelevant response to the dispute?

2. Chime has repeatedly put me off by responding with irrelevant responses. 
3. Chime filed replies with XXXX with the same Irrelevant responses, Not reading what the problem/dispute actually is and never offering assistance or instructions on handling it. 
4. Chime responded to XXXX 's complaint, stating to contact them directly ( I again contacted Chime, per their request ) 5. Chime Chat going over everything with Chat with the US, where I was told they were filing REBUTTAL-02 ( I requested a whole new dispute # due to this one seems to be on an auto-response and is not being read ) This Didn't happen 6. I reached out to Chime and was told someone would be in touch, but I never received that response So filed a complaint with XXXX  7. Chime XXXX  response to contact Support and IM PUT OFF FOR ANOTHER 45 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX, XXXX  ( XXXX  ) on XX/XX/XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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