BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Aldous & Associates, PLLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company place fraudulent debt on my credit report from a gym located in Georgia Im a XXXX  of XXXX  I put in a ftc report and locked my credit also company called and threatened told me my credit would be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I submitted a dispute to Transunion. The dispute report returned with deleted reporting for an account I paid on time and not issues. The amount from the same company was incorrect. Yet, they deleted the GOOD reporting information. On the same report, derogatory information being reported was incorrect it remained on 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 2023-12-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am living in the state of XXXX and Fair Collection & Outsourcing, INC is NOT License to collect Debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I have provided Proof in this complaint and I DEMAND for the company to DELETE these accounts IMMEDIATELY. If Not, I will be taken Legal Action against the company.

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Synchrony avoids human interaction and my issue could not be resolved via their computerized chat feature. Synchrony abruptly reduced my credit limit with no notice or explanation. My credit score recently went up XXXX points but went down when they took this adverse action. 

I have been sick over the last few weeks and we've had other illnesses in our household. I was late making a payment but not over 30 days late.

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 2023-02-24
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, SANTANDER CONSUMER USA. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN XXXX. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED SANTANDER CONSUMER USA DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this alleged debt with AWA collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: VA
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 have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2023-09-14
Company: EQUIFAX, INC.
State: MO
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:
I requested that the because the collection was both incorrect and invalid, that it be removed from my credit report. And they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent letters to XXXX, Transunion, And XXXX Via Certified Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

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 2023-02-01
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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:
Submit a complaint In accordance with the Fair Credit Reporting Act, XXXX Account #, has violated my rights. 

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

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-09-28
Company: I.C. System, Inc.
State: MI
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:
On XX/XX/, IC SYSTEM INC, XXXX XXXX XXXX , XXXX XXXX MN XXXX, XXXX, pulled my XXXX credit report as a Hard Inquiry. I received notification of this through my credit monitoring software. I immediately called IC SYSTEM INC and they told me they had no idea who I was and why they pulled my credit. The Rep hung up on me. I called back to talk to a different Rep. I was told the same thing. Both times I was told they did NOT know who I was after taking all of my personal info, DOB - SSN - Address - Email - Previous Address - etc, they found nothing. I called back again and spent another 45 minutes on the phone with a different Rep. Again having to provide ALL my personal info, only to be told... they can not find me. At this point I was able to talk to a Supervisor who - after " running me '' AGAIN, admitted he could not " find me '' and had " no idea '' why my info was pulled. I asked him to provide me a letter stating that, and he denied that request because " I still could be in there ''. He referred me to " XXXX and XXXX '' and I emailed XXXX at her request after I was able to speak with her. The email was sent to ConsumerAffairs@icsystem.com on Sat, XX/XX/XXXX, XXXX. She said : " Dear XXXX XXXX : Despite our best efforts we have been unable to identify any account in our system that matches the information provided. Our recommendation is that you dispute the inquiry with your credit bureau. That will require the credit bureaus to contact IC System to verify the inquiry. This communication is from a debt collector. 

Sincerely, Consumer Affairs XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I called XXXX and they said I had to have IC SYSTEM contact them to remove it. IC SYSTEM refused to do so.

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 2023-12-27
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous inquiries on my credit report that I do not recognize. I would like them removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received the attached court documents regarding a credit card account with CAPITAL ONE. I have never received any unpaid bill or credit collection regarding CAPITAL ONE. It is not on any of my credit reports. So confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lewis, McDonnell and associates have been contacting our entire family in regards to a debt that is specifically in my wifes names. They have yet to reach out to my wife though. They are freaking out everyone in our family by throwing around legal jargon and threatening leins and wage garnishment. The debt in question is from XXXX. The original company ended up dropping up and debt collectors have been trying to collect ever since. It went dormant. Then in XX/XX/XXXX Lewis, McDonnell and associates purchased the debt and have been blowing us up ever since threatening to serve us with papers and all kinds of nonsense like that. Currently my wife and I both have XXXX and are very sick and these people will not relent. Everything I have found on them says they are a scam but everytime Im on the phone with them it scares me because all the legal stuff they keep saying. I am so scared of making the wrong choice here and screwing our lives up. Please we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CO
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 submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: LEXISNEXIS
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lexis Nexis is reporting a dismissal XXXX to all XXXX credit agencies without ( No permission ) the court of clerks did not or doesnt report to the creditor agencies XXXX XXXX XXXX, and XXXX . It wasnt a discharge bankruptcy I never went through with the XXXX  XXXX it was dismissed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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:
Multiple overage charges in the amount of XXXX cents by Chime when I used my debit and credit builder cards to do laundry at a hotel XXXX staying at. 

I disputed the overage charges through Chime and they claim there has been no fraud and refuse to reverse the overage charges. 

I disputed overage charges in the past with them, as this has been going on since XX/XX/XXXX and they reversed the overages. Now ( XX/XX/XXXX ) they are refusing to reverse the overages, Chime is also withholding funds in the amount of {$50.00} which was supposed to be returned to me XXXX days ago from a damage deposit at the hotel. The damage deposited was paid using my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Started receiving emails a couple weeks ago about an account being opened with Chime and then got another email today to activate my new card. I never opened an account with them and never received anything in the mail. When I called their customer service line today XX/XX/2023 they had my cellphone number already tied to an account so I got right through. They tried to get my DOB and other information to verify me but I refused. They transferred me to the investigation department which they tried to do the same thing, I also refused. They would not cancel the account over the phone so they gave me an email " XXXX '' to ask them to cancel my account. I did and the emailed me back within 10 minutes without any further questions and that my account has been canceled. I went on some threads online and see this is an ongoing problem with Chime and I fear they are falsely opening accounts without approval.

Company response to consumer: Closed with explanation