BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-16
Company: Client Services, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company : Client Services Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and my spouse continue to receive so many phone calls for over a year from this entity that during our work days we have to silence ringers to prevent work disruption. The phone numbers will change up to 3 times in a day. 
I received a debt settlement offer dated XX/XX/XXXX in the mail on XX/XX/XXXX. This is for a XXXX XXXX XXXX XXXX credit card balance of {$7100.00} with a settlement of {$2100.00} I have chosen to accept this offer and pay in full. The offer is stated to expire on XX/XX/XXXX. Please see attached document for verification. 
Over 10 attempts to make the payment since XX/XX/XXXX have been unsuccessful due to the below mentioned issues. 
Document indicates 4 methods of payment including ; XXXX ) csiezpay.com The online site requires specific reference number, birthdate, username and password to access site and make payment. After multiple attempts, a red box indicates 'there is no account connected with this information ' or 'we are having difficulty authenticating this account '. 
XXXX. ) Pay-by-Phone XXXX with multiple attempts, various responses are prompted- account was verified and once payment information was given, response was that payment is declined or unable to process then abruptly disconnects. 
XXXX. ) contact the office- XXXX receive a busy signal or prompt to speak to representative directs to call another number, XXXX which states office is closed or busy signal. 
XXXX. ) contact phone number provided on document- voice says 'sorry we missed your call, please leave message. ' No response to messages left requesting making payment. 

I have researched legitimacy of this business due to unacceptable response or function of the entity from all points of attempted contact. All I want to do is pay the offered amount before the offer expires on XX/XX/XXXX and have no way to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Allied Credit Consultants
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Roth Morgan about a debt balance I had of {$330.00} from XXXX XXXX from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called Roth Morgan XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from XXXX XXXX and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid Roth Morgan {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from XXXX XXXX and paid {$250.00} on XX/XX/XXXX, the exact amount Roth Morgan was looking for. This is when I knew I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: KAHRS LAW OFFICES, PA
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Kahrs Law office in regards to a debt that is not owed, and they filed a suit against me. I have even submitted a complaint to my states Attorney General, and submitted a response. I have provided all of my documentation to them via mail, and the attorney general. They are trying to get me to pay the same amount that has been paid twice over. I called XXXX XXXX on XX/XX/XXXX to ask for the pay off amount was told it was XXXX, and paid it that same evening. Then XXXX XXXX withdrew several more payments from my bank account after the debt was paid in full. I disputed each one with my bank, and received my money back. And had to get new debit cards. Then they sent me to a collection company XXXX XXXX XXXX   XXXX XXXX. I requested validation without receiving any correspondence. Disputed with credit bureaus again no response. Sent them bank statement and letters. Again no response. I finally sent a payment through my bank account bill pay on XX/XX/XXXX. Also sent a letter to them stating that I sent a payment also no response. My bill pay with the bank I had at the time did not sent a paper check it was an electronic EFT. Sent a letter to XX/XX/XXXX saying that sent a payment , and again asked for validation with no response or validation received.  Mr. XX/XX/XXXX is trying to sue a person that does not owe a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Lendmark Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$570.00} LENDMARK XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a Wire Transfer at XXXX XXXX to send money to XXXX. The transaction was started on XX/XX/18 by my husband, XXXX XXXX. The money was to be sent to an account in " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with address at XXXX XXXX in XXXX, XXXX. The amount to be transferred was XXXX dollars. The transaction confirmation code was : " XXXX XXXX XXXX-USD {$9900.00}. 
The note states : Date available as XX/XX/2018 ( already a long time, 10 days, considering it is a wire transfer ) When my father did not receive the money in XXXX on XX/XX/2018 I noticed that the funds were still in my account. I called the bank and they told me : " the transfer was never even initiated '' and they don't know " what happened ''. 
I will proceed to remove all my money from the account at XXXX XXXX today. 
This is very serious, my father was expecting this money today and had financial obligations that needed to be attended immediately. Not having this money available is very detrimental to him. I am extremely upset by the inefficiency of this bank and its disregard for its customers. The worst part is that since I have a mortgage loan from this bank I MUST keep a bank account with them. This was one of the conditions of my loan. Little did I know about the extreme lack of professionalism and poor customer service. I would like to cancel my bank account with this institution and just pay my loan with my bank account at XXXX XXXX. This needs to be known by other people as this bank is not doing a good job and in my case it is causing serious problems to my family and me.

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 2023-03-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been trying to use the mobile check deposit with chime since XX/XX/XXXX and once you take the photo of check hit submit it continues to give error " we can not read numbers on bottom of check '' yet before you accept the photo it says " if you can not read this, then we can not read this '', sent email to chime support XX/XX/XXXX XXXX response XX/XX/XXXX XXXX a nut shell i as told to uninstall/reinstall app which i did take more photos dark background with more light which i did if still did not work screen shot error and reply back which i did. 
XX/XX/XXXX XXXX no response to reply-sent another email no response-sent another email XXXX. 
called XXXX XX/XX/XXXX asked for supervisor XXXX XXXX was told to take more photos because of shadows would stat on line to see but call dropped. 
XXXX called back XXXX XXXX who told me creases on check along with shadows-take more pics. also told me to iron the check! then call dropped. I then got idea to get personal check from old bank acct that is closed, I took pic of the front of check only hit submit and it sent!!! now it was a blank check but it fit in the photo box perfect. that check measured 6 '' and real check is 8 1/2 '' long! 
called back s/w XXXX and was told check is pending review to which i explained that is blank check and the app took that but not the real one ... ... he started laughing because he couldn't believe it along with he couldn't believe how many pics of this check there was and said he couldn't understand why it would not send because what he was looking at all looked clear! he even called off all the numbers of this check and of course call dropped. i live in the country service is wonderful. 
called again this time got XXXX at XXXX who was just a smart XXXX ( sorry ) told me same old take new pics-I explained the above and he said well sorry nothing we can do you will have to take check elsewhere. I asked to speak with someone higher he said there is no one above him!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries

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 2022-08-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: MI
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 disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  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 explanation
Consumer complaint received 2022-07-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a letter from the National Credit System , Inc. about a debt that I supposedly had with XXXX XXXX XXXX. I NEVER HAD DEBTS WITH THAT PLACE. 
Prior to the National Credit System notice, I NEVER RECEIVED a call or letter from XXXX XXXX letting me know that I had an outstanding debt. The SUPPOSED DEBT was sent by XXXX XXXX directly to debt collection, which is incorrect and ILLEGAL. 
On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX and asked the Office Manager for an explanation. After checking that I did not have any debt with this office, she made a copy of the letter and promised to resolve that problem with the debt collection office. APPARENTLY, SHE DID NOTHING. 
On XX/XX/XXXX, I received a notice from XXXX XXXX, one of the companies that monitor my credit and data security, where they report that my credit history had dropped XXXX points due to AN UNPAID DEBT. I immediately requested Credit Reports from XXXX and XXXX, where this debt appears unpaid, affecting my credit history. 
I do not have, nor have I had, outstanding payments TO ANYONE, least of all XXXX XXXX. I have had financing with different companies for two cars and a house, for several years, and I HAVE NEVER BEEN BEHIND PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a flight for XXXX on XXXX  via XXXX on XX/XX/2019 with my Chase XXXX credit card. I checked my account later that day and saw that the booming had vanished. I called XXXX  and was told it had been cancelled by the airline. I then received an email from XXXX  that XXXX had cancelled the flight. When I didn't get a refund I filed a dispute with Chase for XXXX The claim was denied by Chase because XXXX claimed that I had cancelled the flight reservation on XX/XX/2019, well beyond the 24 hour free cancellation period. Indeed I did receive an email from XXXX on XXXX XXXX that the flight reservation had been cancelled. XXXX used this as proof that I, not them, had cancelled the flight. I faxed my proof to Chase that XXXX, not I, had cancelled the flight the same day the reservation had been made. XXXX then changed their story and admitted that the reservation had been cancelled the same day, I.e. XXXX XXXX, and not XXXX XXXX But now their claim was that I, not them, had cancelled the reservation. XXXX claimed they do not have to follow DOT regulations for flights booked through XXXX. I have sent multiple faxes and emails and made multiple phone calls to Chase and they refuse to do anything, not even to acknowledge the many commucations I have had with them and refuse to give me back my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX AND EXPERIAN are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022XXXX XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

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