BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: UT
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 am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-07-21
Company: EQUIFAX, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
all inquiries from XXXX XXXX and XXXX XXXX are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold in XXXX since then I've been paying the new company as I did the old with my checking account. Well, on XX/XX/XXXX, the loan is due on the XX/XX/XXXX, the bank sent a check paid to the old company. By the time I found out I was charged a late payment fee of {$98.00}. I called on the phone & got their investigation report saying the mortgage company is the one to remove the late fee. I visited a branch & the employee put the blame squarely on me & that citibank has nothing to do with sending a check. Though it's a citibank check.

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 2020-07-20
Company: Midwest Recovery Systems
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: Investigation took more than 30 days

Complaint:
Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i got out of the hospital treatment facility because im a XXXX  XXXX XXXX patient, upon getting out i found out my bank had been accessed and drained while i underwent treatment, in the sum of almost XXXX XXXX and right away i called chime. the rep who i spoke with went thru every transaction, filed disputes and closed my card and re issued and froze the account access online per my request. so now the waiting game. when the disputes finally started getting resolved everything was approved and credited all the way to the day i went into the hospital, except two disputes, dispute numbered XXXX, and XXXX the completion date was XX/XX/XXXX which would of been the 60 days. i called in when the XXXX showed that my deposits went in and XXXX $ was missing from # XXXX where they claimed it was cancelled already and prior credited. upon researching i found it indeed was not. so i called and a rep named XXXX was on the phone with me trying to get it resolved when i got an email saying that my dispute has been filed???? what dispute? so i opened my app, again with a rep on the line still, and it showed my XXXX $ was removed and the claim just paid out was now reopened and the money that i just waited almost 3 months for to be returned had vanished. i asked her what the heck was happening and she said i dont know but i saw that too and dont worry i will create a ticket on both of these issues that happened because i see all the documentation and what i just witnessed i got your back and will get this credited back within 48 hours. well fast forward to three supervisors, eight reps and countless hours on hold with nobody ACTUALLY RESOLVING anything and for me to be told several times on recorded calls that it will be credited 24-48 hours. well, yeah that never happened, actually the claim got denied. so you deny a claim of my money being sent thru your pay anyone and approve the XXXX $ transaction just five minutes prior to the one you denied ... hows that. well a rep said they will have documents sent and id receive it the next day but still as of 8 days later, have not received them. because there isnt any. regulation E is never followed, the terms are never followed by them and no reps listen its crazy, until you showed up. i have all calls, documents, and proof of theft, but yet they say it will be resolved 45 days later, even though it was just completed on the XXXX of XXXX. so im writing to ask can you get my money back they are refusing to follow there own rules and terms of having a bank with them and now they are denying things that they never even investigated. it A FACT! i called and no reply on the situation. 

case XXXX for the amount of {$8100.00} and XXXX for the amount of {$150.00} both of which they are not following guildlines. and still have not issued my money back. thank you and god bless you guys!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
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: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2021-03-08
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had two medical bills from an incident that happened a few years ago. The hospital in question told me I would not be charged at all, then, instead of sending me a bill, sent two different amounts directly to collections. I disputed them and they were removed from my credit report, then a different debt collection agency, Debt Recovery Solutions , LLC, somehow got a hold of these amounts, {$890.00} and {$64.00}, respectively, and they appeared back on my credit report. I disputed them again and they were again removed after finding to not be amounts I actually owed, and they once again reappeared on my credit report even though they'd been disputed and removed twice. I've tried disputing them again, which just prompted the collection agency to send me a letter telling me I owed them, and they remain on my credit report. They call me constantly all day and night, and a few times earlier or later than legally allowed. I do not owe this money and want them removed from my report, as well as this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, Equifax and XXXX to remove public information from my personal credit file effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Integrated Asset Recovery LLC
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:
Portofolio Recovery submitted a collection report to my credit history for an account that was a result of identity theft. The original creditor was XXXX XXXX and I didnt have any knowledge of this account. I tried contacting XXXX XXXX regarding this but they dont seem to care. I would like this collection to stop all type of communication with me and also to remove the account from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Still today, XX/XX/2018, my personal checking account is in the " negative '' ( due to bank mismanagement ) retaliation/reprisal ( due to me filing previous CFPB complaint 's ) and the bank 's ( and bank representatives ) ongoing malicious DISCRIMINATION practices. Pending today, is {$28.00} for XXXX XXXX XXXX policies ( via ACH withdrawal ). Today, XX/XX/2018 @ XXXX I have deposited {$29.00} for the said, XXXX XXXX XXXX policies. I am continuing to experience repeated adverse actions practiced towards me and my personal checking account.ALL supportive documentation will be faxed to the CFPB. ALL documentation is strictly for the CFPB ( NOT, to be used, published or compromised in any way by the said bank or their subsidiaries. THE END!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14
Company: Conn's, 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: Account status incorrect

Complaint:
In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX charged my account XXXX on XX/XX/22 at XXXXXXXX XXXX. I called them the next day and requested a refund because I hadn't received services for the charge. I was notified that it may take 7 to 10 business days. We'll on Friday XX/XX/22 I called XXXX XXXX XXXX again inquiring about my refund and that's when I was told that it had already been sent. I checked my statement again and could no longer find the charge. I called my bank which is Chime and I was told three different stories as to why I can't see the charge, but was told that I had been refunded on XX/XX/22 when in fact I have not. I sent them proof of receipt that I was charged from the merchant and still no response. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 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 2023-06-08
Company: EQUIFAX, INC.
State: AR
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 am submitting my request to remove such erroneouss items on my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the following items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are fraudulent and needs to be removed immediately 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.

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 2023-05-27
Company: Mutual Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This apartment complex is claiming not only that I lived there, but that I broke a lease with them and owe them money. They have illegally obtained a third-party collection agency to destroy my credit and collect on a debt that I do not owe. This collection agency has furnished no proof that this is a valid debt, nor that this debt is mine. I am demanding that this apartment complex retract all erroneous attempts to collect on the false alleged debt immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-05-25
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:
THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent.

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