BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-01-12
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given Equifax or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( XXXX, Equifax, XXXX XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

Congress defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for Congress also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
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:
I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time

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 2021-05-17
Company: Smith, Cohen & Rosenberg LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. This is a Business, not a personal account. 

2. Company Has not provided a contract and or additional information to validate this account. 

3. I attempted to contact the company and XXXX not receive any information. 

4. I disputed the account with XXXX  and did not a response with valid information to keep reporting this on my credit report. 

5. SCR Solutions is Re-aging this account which is a FCRA violation. 
Attached is my report. 
SCR and XXXX are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX. XXXX  XXXX XXXX XXXX is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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:
Account Name : XXXX XXXX. Account Number XXXX* Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as XXXX, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I submitted a complaint that my account was compromised and {$2200.00} was wrongfully taken out of my account from a random third party. My account was then closed XX/XX/XXXX. On XX/XX/XXXX, the amount of {$2200.00} was refunded back to my account, however the account was already closed. I received a notification about the dispute being refunded, however, it was in my junk folder and I did not see it until XX/XX/XXXX. According to my transactions history, Chime redacted the refund on XX/XX/XXXX. I have not received any notification to where the money that was rightfully mine went. 

I then contacted Chime in regards to my money and was told the inquiry would need to go through to investigations and they would reply with XXXX hours. That time had elapsed and no update. Eventually, I was calling every XXXX business days in regards to the same situation and every time, it was treated as if I had never called in the first place. 

I finally got some feedback from Chime but it was only that the dispute was approved and the {$2200.00} was approved and paid out on XX/XX/XXXX, but nothing about the transaction from XX/XX/XXXX, the date of the issue I was complaining about, Chime taking my money from my account without any notification. 

It has now been over XXXX month of continual contact with Chime and no improvement, no updates and no payment of {$2200.00}, that is rightfully mine. 

The following are ticket numbers over weeks of complaints, including supervisors in disputes that stated they would handle the situation with no avail : XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Account status incorrect

Complaint:
On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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:
My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on Equifax report and XXXX report. 
XXXX has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now XXXX send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: HYUNDAI CAPITAL AMERICA
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:
Beginning in XXXX of 2018, I sent a certified letter to XXXX  XXXX XXXX   explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

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

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 2021-06-02
Company: Experian Information Solutions 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:
I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

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 2019-06-01
Company: Debt Relief Center
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter of {$11000.00} open credit balance first time from NY base debt collector company address with XXXX XXXX phone number and again today received letter from Debt Relief XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, Massachuetts This is total harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Urgent Matter : FOLLOW-UP COMPLAINT Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX ACCT. # XXXX Violation Reported : original creditor is reporting as unknown. 

Violation Reported : account status reports as derogatory, and past due reports XXXX balance. no balance should be reporting for a collection/ charge-off. This account is reporting under the closed account section, and not reporting under the collections accounts section. 

Violation Reported : payment status is reporting as past due 120 days, with a XXXX  balance.

Violation Reported : this charged-off/collection account is reporting under the closed account section, and not under the collections section. 

This account is reporting inaccurate information, which makes this account in violation of FCRA requirements. Please see the evidence enclosed as proof of violations.

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 2023-01-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-02
Company: DISCOVER BANK
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:
the following account was never authorized to report on my credit : Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: CT
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:
I have been disputing back and forth with experience, XXXX and XXXX regarding them reporting my XXXX XXXX account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

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 2018-10-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a Citibank MasterCard for years. Just recently I received a master card renewal. But a week or so later I also received from Citibank a new Citi American Express card. I never requested an American Express card. This feels very much like when XXXX XXXX issued me a credit card years ago without me ever requesting it. Ive heard that canceling a credit card can add a ding to my credit report. Im not sure if that will be the case if I cancel this AMEX card that I never requested.

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 2019-03-05
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage serviced with Ditech XXXX XXXX. In XXXX of 2018 I submitted my payment online as I do with all my previous payments. As per Ditech system it indicated that the payment was received. Several days later I noticed my account was not debited. I went back on the Ditech site and it showed that the payment was past due and a fee of {$76.00} was imposed albeit the payment was received on XX/XX/XXXX within " the grace period ''. I called their call center multiple times and to no avail did I reach anyone that would assist me with this issue. Instead the representative indicated to send a letter requesting the fee be waived which I did. DiTech indicates " they never received the letter ''. The only options to send the letter was via USPS or email. I sent the letter via USPS. They are very difficult to communicate with and this is extremely frustrating. All I want is for my account to be credited {$76.00} as this mistake occurred with DiTech servicing. 

I appreciate your help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?

Company response to consumer: Closed with explanation