BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hello my name is XXXX XXXX XXXX and on XX/XX/2018 I signed up with Experian seven day free trail and paid the {$1.00} with my debit card ending with the number XXXX from XXXX. At the time I was aware that I am a victim of Identity Theft and this was my reason for checking my score and after entering in my person information someone took over my email address which was XXXX at the time, charged my debit card for the full {$9.00} and also changed my cell phone number from ( XXXX ) XXXX to ( XXXX ) XXXX, all this by way of a computer. I had XXXX reimburse me for the {$9.00} and remove my debit card information. I recently received a letter from Experian and XXXX   stating I had to send more proof. I have the letter right here in front of me # XXXX and I personally think someone redirected my mail because I was sending a lot of notices out to each business, etc. When I received your letter it states XXXX XXXX XXXX with my current address which is XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. I had to changed my email address and phone number again and I have an XXXX XXXX number now because I'm not receiving my mail at all. I recently signed up for your free 7 day offer and used a new email address which is now XXXX. I later called to cancel because the person charged me {$29.00}? I called and asked why I was charged that amount and was told that I had asked for all three reports. My understanding was that I had signed up for the premium which was {$9.00} each month, so I ask the person to cancel my membership and got a new debit card. now I'm told that I have until the XX/XX/XXXX to check my credit online. That's find, but I want to know what happened to the {$29.00} charged to my account. I was under the impression that you are allowed one free credit report once a year. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-03-09
Company: ENCORE CAPITAL GROUP 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-18
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act.The listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt on my credit report from Quality Assest Recovery. I had it removed from my XXXX Report in 2015. I contacted my Insurance company about any bills the originator XXXX XXXX XXXX submitted to my health Insurance and My provider assured me that I had no claims with XXXX XXXX with patient Responsibility. I do not know if this is an attempt to get me to pay a balance that their contract will not allow them to receive from XXXX XXXX or what. I have not been able to get information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
SMALL BUSINESS ADMINISTRATION GAVE UNKNOWN PERSON PERSONAL INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION AND COMMITTED FRAUD BY THE UNKNOWN PERSON GETTING A GOVERNMENT SBA LOAN IN MY NAME. WEIRD THING IS, THERE IS NO SBA LOAN LISTED, JUST THE CREDIT INQUIRY TO OBTAIN MONEY VIA APPLICATION. THIS WAS DISCOVERED IN CREDIT REPORTING COMPANY - EXPERIAN AND HAPPENED XX/XX/2020 FROM A " HARD INQUIRY '' FROM THE CREDIT COMPANY ITSELF. i HAVE AND WILL CONTINUE TO REPORT THIS FRAUD TO ALL ENTITIES THAT REGULATE AND PROSECUTE

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TN
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:
These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX Credit Cards XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XXXXXX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian

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 2023-02-17
Company: EQUIFAX, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I attempted to change my telephone number with Chime via Chime app. I could not. I opened a live chat within the app for assistance. The representative requested documents that I sent within the app. After receiving the information the representative stop responding. I ended the chat then called Customer Service. While on hold I received an alert stating suspicious actions and my account was suspended. I've submitted 3x all requested information, As of this writing ( XX/XX/XXXX ) my account continued to be inaccessible even after submitting proof of ownership. They refuse to close the account and send my money. 

Your assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: TX
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:
There is a company XXXXXXXX XXXX reporting a collection on my credit report and I have no idea who or what is. I have reached out to the credit bureaus and sent my identification ... .This XXXX company got bought out by XXXX and no one will respond to my letters .... I know the bureaus get paid by these companies and they took one look at my ID and figured ok .... black ... no response ... Sorry to rant I'm just so upset that the bureaus would allow this ... ...

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 2020-10-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo submitted a a check that was fraudulent. The manager at the time agreed that they should have caught the mistake. They said that it was there fault and that my account would be refunded the XXXX dollars. Then the bank manager calls me and tells me Im wrong and that I am liable for the charges. They said they submitted a internal complaint. Its been months and they have never returned the money. The bank manager said the teller should have never cashed the 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 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one credit card i never got never applied and i told capital one and they told me they would send me a form but never did, i have tried several attemts to get resoved with them but its hurting my credit and chances to get better cretit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$1100.00}. An unauthorized account was opened by XXXX XXXX COMPANY LIMITED LIABILITY COMPANY on XX/XX/2016.Nothing is due to XXXX XXXX COMPANY LIMITED LIABILITY COMPANY because I never agreed to a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Bank of America approved my credit card application online with a hard inquiry on my credit. After letting me spend for a few days, they blocked my card and online login. They want me to visit the branch. I can't go to a branch because I have now traveled outside the country and can't enter the US due to COVID restrictions in the country I am at. Now, I just want to pay the card balance so there is no interest or missing payment. However, the bank won't provide any information over phone or online even after I provided all my information to verify my account over phone. They can provide my balance and due date only if I visit the branch with physical IDs.

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 monetary relief
Consumer complaint received 2023-10-19
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported this debt to the credit bureaus without contacting me and giving me the chance to dispute this debt. The amount of the debt is {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.

Company response to consumer: Closed with explanation