BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Chime Financial Inc
State: MN
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:
When they did send me something it was not verifiable as it was only a transaction history report that is vulnerable to fabrication and alteration. 

Refusing to process my chargeback reversals that me and the merchant lucky creek agreed to and if intentionally stalling the arbitration process and refusing to accept the documents I have provided numerous times Also refusing to file the chargeback requests for another merchant chumba casino who through no fault or authority by me debited my account many many many times.. 
I notified both of these merchants of my identity theft reports and police report case numbers in regards to this matter and they refuse to put these matters into arbitration or supply me my funds back and this has been going on since XXXX so. XXXX I need federal investigation done regarding these matters immediately and any time loss pain and suffering and other damages that can be awarded to me for this blatant disregard for my rights and the regulations set forth in the different laws and acts for these specific circumstances.. I ask for max penalty enforced unto chime for this stressful harmful and dangerous situation they have put me and my family in from this.. I am XXXX and I have rights as a citizen I only ask to have these rights protected and fully defended and the burden and cost be put onto this monstrous evil company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

15 U>S>C section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person Shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have evidence of 11 different violations from XXXX, Transunion, and XXXX. That I will provide in docs.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life

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 2020-01-16
Company: M&T BANK CORPORATION
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 status incorrect

Complaint:
I have submitted an account investgation with all 3 credit reporting agencies about 3 delinquent payments on for my mortgage that are incorrect. 3 time my mortgage company came back and stated that the information was correct, even though I have evidence to the contrary.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Issue : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with Transunion during XX/XX/XXXX once discovered the negative filing on the credit report. Transunion confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. Transunion system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the 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 non-monetary relief
Consumer complaint received 2021-02-04
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 information incorrect

Complaint:
Over the past 12 months I have contacted Experiean and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Experian that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX no do I have a loan with XXXX, In addition XXXX keeps telling Experian that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times experian has asked XXXX to provide proof that I own property in XXXX XXXX and XXXX that I ever lived in an apartment that had a unit number of XXXX In addition I asked Experian 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX has sent no proof to Experian, and this was verified by experian to me that XXXX has not sent any proof to Experian that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I request experian get this information from XXXX  and 5 times Experian says they tried to obtain this information from XXXX  and it was not provided. YET its EXPERIAN who refuses to delete this information from my credit report and has cause my XXXX score to be 150 points lower than XXXX XXXX XXXX score. Its is Experian who is responsible and liable if XXXX has not provided Experian the proof and EXPERIAN has not sent me the proof from XXXX XXXX XXXX XXXX XXXX ) then by law, XXXX must remove the XXXX  derogatory harming information from my cfredit 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX, since then I've been noticing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX XXXX  Inquiry : XXXXXXXX XXXX Inquiry : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
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:
XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went through court to fight my ex husband from termination of maintenance and won case with my lawyers help. I was suppose to receive a check on XX/XX/2022 so I made plans to have some creditors get automated payments that day. Well check didnt come so my mother and I wrote check from her bank account to cover these bills so they wouldnt bounce. Well payment didnt come till XXXX and then her bank didnt honor checks ( we planned on having money to put in that account too out of ex husband check I received {$2000.00} x 2 and {$5600.00}. Everyone was paid but now bank has account on hold for risk fraudulent activity. My ex husband just stopped payments without notice in XXXX my credit and all accounts are closed and Im left with out credit and bank accounts and owing about XXXX to bank accounts and creditors too. Im XXXX and very sick with XXXX  and XXXX and on XXXX prescriptions I can not handle this stress on top of what last 9 months I went through. Now Im getting terrible calls and bank has collection agency pursuing money and they wont release any so I can pay bills please help and if I did something wrong Ill make it right!! Theres hold on 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 2022-08-09
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received on XX/XX/XXXX via postal mail an official-looking paper ( and envelope ) from American Coradius International LLC XXXX XXXX attempt to collect a debt from XXXX, XXXX XXXX XXXX amount of {$2800.00}. I very rarely use XXXX, and am not aware of any purchases. I contacted the company at the number listed ( XXXX ) XXXX to get more information. They asked for the Reference # on the letter, had me verify my mailing address, asked me if I was claiming fraud ( yes ), asked me if I recognized an email address of XXXX ( no-do not recognize that name either ), then asked me if I recognize XX/XX/XXXX ( yes ), then asked for the last XXXX digits of my SS # ( which at this point I am suspicious and did not answer ). She ( XXXX XXXX said shed submit as fraud and I could disregard. I then contacted XXXX. They had a XXXX balance, said they did not recognize the account # listed on the letter, and canceled my account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payme
nts may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In response to the FACT that CHASE IS ILLEGALLY HOLDING MY SALARY/DIRECT DEPOSIT AND LIYING TO ME THAT CHASE DOES NOT HAVE ANY IDEA WHERE IS MY SALARY OF {$2900.00}, SENT DIRECTLY BY XXXX XXXX XXXX I copy the link where it is SEEN THAT CHASE IS INVOLVED IN " Multiple chase users from all over the nation have yet to receive their direct deposit from chase bank XXXX They have called their employers but they confirmed the direct deposit payment went through. Chase is holding up people 's direct deposit for some unknown reason '' ( since 2020! ) See the link with customer 's complaints. https : XXXX. I AM NOT ALONE TO BE ROBBED BY CHASE AS MY DIRECT DEPOSIT/SALARY IS MISSING AND STOLLEN BY CHASE. MORE SO, I BELIEVE CHASE IS REVENGEFUL/DISCRIMINATORY FOR CUSTOMERS WHO HAS FILED PREVIOUSLY A CONSUMER FINANCIAL PROTECTION BUREAU AGAINST CHASE. I DID FILE A CFPB COMPLAINT AGAINST CHASE BEFORE, AND NOW CHASE IS WITHHOLDING MY SALARY/DIRECT DEPOSIT. CHASE IS RETALIATING AGAINST MYSELF. 
Chase is continuing the unlawful practices and making money ON THE BACK OF MILLIONS OF HARD WORKING AMERICANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CREDENCE RESOURCE MANAGE has engaged in harassment by abusively calling the above mentioned number numerous times every day of the week without relent. These calls start as early as 7 am and don't stop until as late as bedtime.

Company response to consumer: Closed with explanation