BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2023. I woke up with my Chime banking account being hacked for the amount of {$2100.00} XXXX I woke up with a text message stating that my phone number had been changed in my chime account and they had received a verification code to the new number put on the account. Which seems like a flaw in the security measurements being done because it required no verification from me before allowing them to change this number or no double confirmation. Now they have all my important information and all the funds in my account had been transferred over to someone elses credit card through their phone number. I had then called chime immediately and they opened a dispute on the same day XX/XX/XXXX regarding this but were still trying to make it seem like this was my fault. I have XXXX cents remaining in my account for bills, food and basic living. And they said it can take up to five business days just for them to begin investigating this. Im certain their investigation will lead to them not being liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: IA
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:
EXPERIAN I have disputed 4 times for the XXXX XXXXXXXX XXXX charge off is shows a balance is not allowed to shows a balance it keeps coming back verified with Experian It sent XXXX XXXX a VOD they did not respond EXPERIAN refuse to investigate the matter again. 
XXXX is a 3rd party medical Collection EXPERIAN say they verified this to them I sent 2 VODs to them they did not respond to me nor did they respond to the other 2 XXXX, XXXX  so they deleted it I have sent them paperwork on it and everything they will not fix this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX XXXX XXXX, and XXXX to dispute an error with reporting regarding 6 XXXX XXXX accounts post-Bankruptcy discharge. My bankruptcy was discharged on XX/XX/18, and these accounts still do not reflect included in bankruptcy, but are instead showing as charged off, and missing 6 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is a Fraudulent account under my name. I have no recollection of this account. On my XXXX report it said Moneylion was added to my account and I have no idea what this was and it said about {$920.00} was taken from this account loan. I tried to dispute this account before but the company moneylion reported that the information is correct which is not me. This is Fraud and is not my account. I called Moneylion a long time ago to let them know it wasnt me. I think Moneylion is a Scam. I am not paying for a loan that is not mines. I dont know who got my information and put it on Moneylion but it is not me. I am an XXXX  XXXX XXXX  and do not need this type of stress to worry about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: MS
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 XXXX, experian and XXXX  is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, Experian and XXXX  Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity

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 2021-01-24
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:
I have been disputing inaccurate accounts with XXXX for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive written numerous letters to each bureau, ( XXXX, XXXX, Transunion ), explaining to them who I was and that the reporting being done on my credit is inaccurate and inconsistent. Numerous phone calls to each bureau speaking with different people and nothing has been done to fix the problems. XXXX has informed me that my information, name/identity, was one of the millions of individuals who was hacked and they were trying to get it right. But then it happened again!!! My credit has been hacked TWICE!!!

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 2021-03-16
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
My XXXX XXXX/XXXX  XXXX account was sold to a third party who went out of business. Experian fixed the dispute it currently has a {$0.00} but is still on my credit report. I need it to be removed immediately please. This has been a frustrating 5 year process. Please relieve my anxiety by having till removed from my report in order to boost my current score. Thank u very much Cordially Mrs. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield Associated closed my account out and I need them to reopen my dispute for review. 
A. Wakefield violated me by not contacting me about a debt I supposedly owed B. Wakefield violated attaining by personal information without my consent and transferred to their corporation.

D. They neglected to provide me with proof bearing my wet ink signature file or accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
C. I also had a lawyer at the time of debt so this debt was not supposed to appear on my credit report.

According to 18 U.S.C 1028 A- Aggravated identify theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You violated this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in Violation of multiple FDCPA laws. I see that this company is reporting unverifiable and inaccurate information on my credit report. I do request a validation of debt letter but Pursuant 15 U.S.C. they were to notify me of this in writing 5 days prior, I was not. as the Original creditor, I Only can validate this Debt. i do not validate this Debt. I demand this company to stop reporting unverifiable and inaccurate information on my credit report and I also will like this company to cease all forms of communication with me Through any and all mediums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-08-28
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX opened XX/XX/XXXX closed XX/XX/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 2021-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: MS
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 XXXX, XXXX and equifax is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, XXXX and Equifax Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: AVANTE
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: Credit inquiries on your report that you don't recognize

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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2021 I submitted request for equifax to investigate the accuracy of a charged off XXXX XXXX account on my report. I was notified that the account reportings were accurate and are following the FCRA guidelines. This account has repeatedly reported a charge off account monthy until current and has also updated the credit limit on XX/XX/2021 and then again on XX/XX/2021. A charged off account should not have movement and should not update credit limit increases and decreases after charged off. I dont believe an accurate investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XX/XX/2020 closed account XXXX  account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX  account XXXX XXXX XXXXXXXX XXXX  closed account 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 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 and 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 non-monetary relief
Consumer complaint received 2019-04-02
Company: Collins & Hilton Asset Group, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hav a collection on my account from a Collection Agency attempting to collect on a debt collection hat is not owed. 

They claim to be collecting for a company called XXXX XXXX XXXX XXXX who was closed due to fraud. The company was closed and was never able to provide consumers with titles so that customers could get permanent tags. 

The car was NEVER repossessed. I'm not sure who this collection agency is but I know they can not validate this debt and I'm sure they do not own the debt. This company is illegally trying to collect on a debt they clearly do NOT own. They can not validate the debt or show proof of ownership according to the FDCRA. This is illegal and fraud!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$20000.00} {$19000.00} WF CRD SVC Account numberXXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$1300.00} {$1000.00} WF PLL Account numberXXXX Date openedXX/XX/XXXX Account typeLine Of Credit Balance on XX/XX/XXXX {$4000.00} {$3500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XX/XX/XXXXand fatiXX/XX/XXXXue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

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