BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX federal the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Continental Finance Company, LLC
State: NV
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 a XXXX XXXX through Continental Finance ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XX/XX/XXXX. 
Last week, around XX/XX/XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a 70-point decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XX/XX/XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. Continental Finance indicated this was their error and they would be happy to fix it.

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 2022-08-05
Company: EQUIFAX, INC.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I reached out to Transunion/XXXX to remove the XXXX  attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

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 2017-07-06
Company: Diversified Recovery Services Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Recovery Servic  es  continues to call and attempt to collect money from me for a  XXXX  account that I never had. I 've disputed this with  XXXX ,   XXXX    and  XXXX . All have been removed. Once ever y 2-3 mo nths they will pop back up and I have to dispute them again. I 'm tired of telling  XXXX  and their  collectors to stop calling me for a debt that is not mine! I 've explained this to all of the collectors  and to  XXXX  and it ' s STILL hap pening!

Company response to consumer: Untimely response
Consumer complaint received 2022-04-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 I filed a dispute with my bank for {$73.00}. The reason for this is I was scammed through XXXX XXXX and I had reached out to XXXX XXXX 1st and they told me since I didnt receive the products I paid for I would have to dispute it with my bank especially because the person was refusing to send a refund or send what I paid for. Yesterday after contacting the bank for a update in my dispute claim I was denied. They wont let me open rebuttal claim and say there was no error which I dont understand because its an error and I should have my {$73.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law XXXX XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX  XXXX - XX/XX/2020, 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 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 2019-08-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've paid XXXX on time and more than the minimum for a year or more. Apparently, they went into my credit report and found that I had been given two new credit cards attached to airlines which I accepted so that I could get the bonus miles. Without warning XXXX, actually, Comenity bank which handles XXXX too many retail cards and should be checked for monopoly, lowered my credit limit. No biggie BUT this set off a domino effect because once they did that, my FICO dropped MASSIVELY. So essentially I'm penalized for paying XXXX on time. This is madness and should be illegal. I will fight this all the way because it's simply XXXX. Also, and get this, because they lowered the limit DRAMATICALLY, the current amount now puts me at 90 % usage of the card making me look like a crazy person which also impacts my credit score. And again, I have done nothing wrong! MUST have help with this. So very, very, very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, INC.
State: AZ
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:
Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
A couple of days ago I applied for a auto loan with navy federal Which I found very surprising since I have paid off several things for my credit report even a {$48000.00} vehicle that was currently on my credit report Navy Federal has been really treating me unfair when it comes to any time when I apply for any form of a credit line increase or a loan feel like something is personal Because the explanation I was given on the reason why I was in that didnt make any sense I asked Navy Federal to do a manual credit pull because like I said my credit score has changed dramatically and I still was denied for a credit line increase to which I have had my accounts with Navy Federal and excellent standings for over a year and a half And I want to continue doing business with Navy Federal but they are making me feel totally uncomfortable with expanding my business with them and also doing any form of transaction as far as loans credit cards etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}

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 2019-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been using myFICO for credit monitoring for years with no issues. On Sunday XX/XX/XXXX I tried to upgrade to the higher tier of credit monitoring and the order failed because of the information provided to Equifax did not match what's on their end. This is the same information that has been sent to them for years. 

I called myFICO customer service this morning ( XX/XX/2019 ) and I was told that Equifax refused to release my information. I also called Equifax and they said they could not see any issue on their side. 

In order to verify this wasn't only a myFICO issue, I also tried to sign up for the XXXX monitoring service that includes Equifax and XXXX. That order also failed because Equifax is not releasing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: GA
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 am a long time customer of Chase and I have a credit card with them that was used fraudulently. There were four charges made at XXXX around XX/XX/XXXX that I did not make. When I saw these charges I notified Chase about this and they did a dispute review for fraud. When the dispute was over they only gave me credit for one of the charges but not all four charges. This doesn't make sense to me, if all these charges were made on the same day at the same place ( XXXX  ) how does Chase only agree one of these are fraud? This is also a credit card, per the terms and conditions when the credit card is used without my knowledge if I report it within a timely manor ( which I did ) they aren't supposed to hold me responsible. I also have XXXX so when the bank denied my fraud claim I got XXXX involved. We called Chase on XX/XX/XXXX, they said they will open another dispute, but also admitted to throwing out supporting documents that XXXX sent them on my behalf. This is so frustrating as a customer that Chase would throw out documents that come from them. I have signed off on Power of Attorney for XXXX to do follow-ups on my behalf and they have a copy of that, they aren't honoring the Power of Attorney or accepting documents from XXXX. Chase is also convinced that my child or husband is doing this. I assure they are not, they have their own cards to use, they don't use my account. Chase also doesn't understand that SKIMERS are out there to steal people 's account numbers and make counterfeit cards. Chase claims the chip was used for these purchases, therefore I did them, AND I DID NOT DO THIS. I am requesting this be documented and looked into further for unfair business and banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Crypto.com is the company in question. I deposit over {$19000.00} in this account. We dispute it a couple of charges that was on the companys part. They froze my account I cant withdraw any money or deposit I can do but withdraw from my XXXX wallet I cant I sent them a letter from my bank stating that my bank credit my account as well as the vendor Crypto.com. The rep has frozen my account refuse to talk to me keep telling me to send them certain information all I wan na do is take my XXXX out of the account over a {$68.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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 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, XXXXXXXX XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, 15 U.S.SC 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 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 2017-07-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
/his letter is to inform you that Experian credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and FederalLaw mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my Experian credit bureau report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a  record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX  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