BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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 recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numbeXXXX SOC SEC ADMIN OFFICE O Account XXXX U S DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).

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 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX RESIDENT VERIFY Inquired on XX/XX/ XXXX XXXX Inquired on 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 2022-08-13
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account number XXXX Reference Number : XXXX 1/ Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XX/XX/2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from State collection service. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: NJ
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:
By all accounts on all three Credit Reporting companies, my 11 year history has been steady, with an EXCELLENT record of paying on time and reducing credit used as percentage of credit available. Reports were consistently improving and above XXXX " Very Good '' until .... I applied for a competitive mortgage from several lenders. My score and my wife dropped 20 points from Very Good to Good. Therefore reducing my ability to get the best interest rate available. 
These agencies are supposed to report based on credit payment and history, NOT PROJECTION future hypothesis that their algos come up with. I am incensed that they are allowed to hurt my ( and many others ) ability to access credit markets. 
They do not know my Income or Net Worth ( which is substantial ). 
THEY MUST BE REGULATED AND PUT ON NOTICE. HELP FIX THIS!!!! 

I have brought this to the attention of my Congresswoman, and both Senators.

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 2021-11-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wallet and bag were stolen the end of XXXX. I called and canceled and reordered my cards and bought a new phone and decided to also get a new phone number. I called Chime, who I do banking with, to update my number so I could gain access to my account via the Chime App. They said the new number was associated with another Chime account so they needed proof it was my number now and requested I send an email with my phone bill, ID, and a selfie holding a piece of paper with the date on it. I did as they requested, multiple times because I am XXXX and had a hard time submitting the info correctly. I received my new debit card in the mail and called to activate it because my phone number still hadn't been updated. The customer service rep informed me that my funds ( I get a deposit on the XXXX of every month ) had been transfered to my Chime XXXX XXXX card, which I had never even used. I then ordered a new Chime XXXX XXXX Credit Card and was told it would arrive in a few days. I was still waiting for my approval from my identity verification to update my phone number and gain access to my account when I received an email on XX/XX/XXXX stating they were canceling the delivery of my card, followed by an email notifying me that Chime had decided to terminate its relationship with me, that my account had been closed, and that any funds in my account were non refundable. I called to inquire as to why this was happening and my calls wouldn't even go through, I had to go use a friends phone to even get someone on the line. Each call would either get dropped, I would get hung up on, or out of no where the static would become so bad i couldn't make out what they were saying. I called 8 times, each time every rep went in circles for the short time I had them on the phone. My deposit is being held and my account closed for absolutely no reason whatsoever, and with no explanation at all. It's the holidays, I have bills, and am about to be kicked out of where I live because I can not pay my rent because Chime is keeping my money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have noticed multiple accounts on my report that arent mine

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 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
I was a victim of identity theft I called the company and explained the items dont belong to me. XXXX XXXX XXXX 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 2022-08-13
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: Account status incorrect

Complaint:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

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 2023-09-25
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to contact this company 8 times. Last was tonight. Even tried the number they gave and no one ever answered. Ive tried to settle this debt more than once with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX agreed to remove the entire account, after the payment was received. The account is still showing 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 explanation
Consumer complaint received 2021-12-09
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: Investigation took more than 30 days

Complaint:
I was taking advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and is defamation of character. I can't obtain credit and can't apply for a home due to the pandemic crisis. I have been denied several jobs and denied of an SBA loan. Last but not least XXXX XXXX XXXXi has been deleted once but was added again to my 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 2017-04-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-09-25
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:
Send debt validation letter to midland debt company over year ago havent received nothing Robo calls all day from this company 5 days a week harassing letters to my address this company is practicing illegal tactics under fair, credit act I want to take legal action for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Nothing happened. I was trying to buy gas when my card did not work. Waited next day Sunday still card said declined. I have {$53000.00} in the account. I made one {$8000.00} deposit from a check given me from the buying agent of sale of XXXX XXXX XXXX XXXX CA XXXX. When I asked Chase what the problem was no information was given, no answers to my money, I was hung up on 3 times. I have the calls recorded. First call was 31 minutes, 2nd 23 minutes and 3rd 41. This money is all I have. We sold our home and were leaving for Washington but now Im completely out of money were homeless and Chase could care less. I want nothing to do with this bank. There tactics are shady at best. Its a company full of people who do the wrong thing just for the sake of. The only thing I can think of is the check I deposited lady XXXX. It didnt clear. One time in 15 years. XXXX Vet that was told by military that Chase cares for us soldiers. That couldnt be further from the truth. Im angry because the 4 of us are sleeping in my XXXX. I have money that Chase wont give to me. I am so angry and distraught about this. Seeing my girls be hungry and being a XXXX then working for the XXXX, XXXX and XXXX for the last 20 years then having an American company just destroy my family over night does not sit well with me. If you need polygraph results as to the truths above I can schedule one. Please make them give me my money back fast. I want to take them to court and probably will. Over the years Ive lost money banking with them. They need something drastic to happen to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: NPS GROUP
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE ALREADY TOLD THESE PEOPLE THAT THE DEBT IS NOT MINE AND THEY ARE CONSISTENTLY CALLING ME FROM DIFFERENT NUMBERS.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: VA
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:
XXXX, Equifax XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: ENCORE CAPITAL GROUP INC.
State: AR
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: Investigation took more than 30 days

Complaint:
ON XXXX i asked XXXX to provide me with proof of the original contract or original purchase contract, proof they are legally bonded to collect in the state of Arkansas, any interest or fees accrued, or have been added, full accounting history with the original creditor, proof that they sent the required legal notices to me before reporting to the consumer reporting agencies, proof of ownership of the alleged debt and include proof of assignment for each change of assignment. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: I.C. System, Inc.
State: TX
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:
Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation