BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-11-02
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was at XXXX XXXX XXXX in XXXX, Ga for my nephews birthday. I used my card at the counter to purchase a play card. My Chime app would not allow me to log-in account so I could turn back off my debit card ( I always have it turned off when Im not using it ) .I was not able to log in, due to Chime app saying they were experiencing issues. I tried to log-in approximately 5 minutes later, which was successful. I logged in to find that my money from my Chime secured card, and my savings had been transferred to my checking account. From my checking account {$300.00} was then transferred to someone who I do not know. This all happened within 4 minutes of swiping my card at the counter of the XXXX XXXX XXXX. The transaction states it was sent to a user on the chime app with the username XXXX, for dinner. I NEVER authorize anyone to use my Chime account, I do not give out my passwords, etc. I am a victim of theft. Not only am I a victim of theft I believe that the Chime bank has been hacked this entire weekend. They keep stating they are experiencing issues and not allowing me to login to my accounts appropriately. I have requested new account numbers, etc., which they have not provided me with. I believe that Chime is also responsible for not properly providing security protection for consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERICAN EXPRESS COMPANY
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One - XXXX is reporting erroneously on my credit file. I have called and sent in various letters to them stating that I am not an authorized user on this account and they need to remove it from my credit file. They refuse to. I do not have a contract with them or any type or agreement, I am just an authorized user and I actually never even had access to the account other than the authorized user title. I never made any transactions on this account, I never got a card for this account. I need this to be removed from my credit file. I AM NOT AN AUTHROIZED USER ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Grain Technology, Inc.
State: IL
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:
Ive tried reaching out to the company multiple times in the last XXXX months regarding an issue with verification. The company has not responded to any of my emails or does not have any contact message available for their customers. 

Ive reached out via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
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: Personal information incorrect

Complaint:
XXXX, XXXX, EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -- ->Date opened -- -- ->XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX>Date opened -- -- ->XXXX XXXX, XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXXXX/XX/XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXXXXXX, XXXX XX/XX/XXXX XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX, XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXL -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX, XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXt XXXX, XXXX XXXX XXXX XXXX   XXXX -- ->Date Open -- -- >XX/XX/XXXX XXXX, XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve 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 non-monetary relief
Consumer complaint received 2020-11-09
Company: Synovus Bank
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
was trying to rent a house in XXXX XXXX ga, the so called owner told us to download the XXXX App to our phones and register then we could self tour the house afterwards we did a rental application with a {$75.00} fee and then we were asked to put a deposit on the house of {$770.00}. the next day the actual rental company called and asked if we liked the house and wanted to rent it. we told them we already did and that is when she informed us we were scammed. totaling {$850.00} unfortunately we sent our money through XXXX with our bank which is instant transfer. which we may no get it back. 

The guys name was XXXX XXXX, email ; XXXX, phone number : XXXX Contacted our bank, XXXX, Federal Trade Comm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CNG FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is providing me false information resulting in all 3 credit bureaus having negative information on my account. they keep sending me bills with a signature that is clearly not mine trying to claim i owe. i did not have a contract with these people. this negative account has been written off as bad debt which is incorrect. they are saying its a loan from a payday company which is illegal in the state that i am located. they have yet to provide proof on how i obtained this loan. they do not have the rights to legally collect the debt in addition there are not any places in my area that allow those type of loans. they are providing me the documentation that they wrote up trying to say that i agreed to the loan and i did not. they are only sending me letters with balances but no actual hard proof that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: IL
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:
My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) 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 2020-11-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease

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 2020-11-20
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that a fraudulent debt in the amount of {$4000.00} be negated and removed from my Credit report. 

In XXXX, I was invited to join a XXXX XXXX XXXX. I attended a day long seminar describing what was involved. I accepted the membership, with the contingency that I could cancel within three days if I changed my mind. I did indeed cancel within the allowable period. Now, 5 years later, I see a collection in the amount of {$4000.00} owed on my credit report. It says that this amount was placed for collection in XX/XX/XXXX. 

I got in touch with the collection agency, Security Credit Services, who stated that I had taken a loan out with XXXX XXXX XXXX XXXX XXXX of whom I'd neither heard of nor done business with, ever. I asked Security Credit Services for loan paperwork in my name and anything signed by me, to show what this was for To date they have not complied. I called XXXX XXXX XXXX, XXXX and they stated that they have no record of me in their system. I disputed the validity of the debt with three Credit Bureaus. They have stated that the debt is " verified '' and meets FCRA requirements. 

I have neither received a loan in the amount of {$4000.00} nor have I received any merchandise or services in the like. I am therefore requesting that you investigate this issue so I can remove this debt from my name. 

Security Credit Services XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease

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 2018-03-01
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: TN
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:
To Whom It May Concern, I am requesting the removal of this bankruptcy & judgment ( below ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. XXXX Information Service , LLC, I did not know the source of their information on those judgments & bankruptcies, due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgment ASAP. 

Bankruptcy Chapter XXXX Ref. # XXXX Date filed XXXX Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

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 2023-06-12
Company: EQUIFAX, INC.
State: NY
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 received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: SC
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 PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Good day, XXXX having problem with my paypal account saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' When I was busy with my business, I received an email from paypal saying that I can no longer use the service of paypal. I'm having a hard time because i used it as a payment method for my business.My business stopped because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous letters to this company to verify debt and they still have not verified anything. Have also called and asked them to verify the debt still no response and it keeps showing on my credit report as negative but no proof. I have never had this account and still can't get the company to respond to anything. No proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against Capital one reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY Capital one sent a notification to XXXX asking them to remove my Capital One account instead of removing the hard inquiry. i called XXXX   and they referred me to Capital One. Capital One was unable to handle this case, wasted a working full day on phone communications.

Company response to consumer: Closed with explanation