BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit accounts and XXXX, XXXX and/or XXXX ) credit report. My credit that I did not authorize. Please remove any unauthorize information from XXXX XXXX XXXX is {$1600.00} also {$390.00} and this self financial for {$1600.00} with my name on it. None of these transactions was me. It was Fraud. I made a police report about these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
I never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile Midland Credit Management Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I submitted a complaint # XXXX previously and received a reply through your agency from Experian. They stated in that reply that they would send a FORM for me to fill out and mail in to permanently opt out of my information being shared with their " partner '' companies or whatever. I received a notice from them ( with my credit report which I did not request ) in the mail that stated that I needed to write a letter to a certain address in order to remove my name from their " mailing lists. '' No form. And I received a postcard from them stating the same thing. Neither the envelope for the notice and credit report nor anywhere on the postcard was there any identification that this was coming from Experian. I could easily have thrown the envelope out assuming it was junk mail -- with all my information on it (! ) -- and I could easily have dismissed the postcard ( with its tiny print ) as nothing important. This is not the way to take care of someone's important information or important instructions for how I can maintain my privacy. Again I am outraged at Experian 's flagrant disregard for my privacy.

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 2022-06-30
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/19 southwest credit syste. this debt is not belong to me, ... .it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY TRANSUNION CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT TRANSUNION. HOWEVER, MY ISSUE WITH TRANSUNION IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX XXXX XXXX OR XXXX XXXX  NEITHER WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T TRANSUNION REMOVED THEM?

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 2022-06-30
Company: Self Financial Inc.
State: GA
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:
Thank you for your response to complaint number XXXX. In your response you did not acknowledge the part of the law you are in violation of. SELF IS REPORTING EXPERIENCES between their company and me the consumer as late payments. EXPERIENCES ( late payments ) ARE EXCLUDED FROM THE CONSUMER REPORT. 15 usc 1681a ( 2 ) ( A ) ( I ) states : ( 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 2017-06-13
Company: CITIBANK, N.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card 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 2022-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Theres incorrect personal information on 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 2022-07-28
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account was closed last year due to a third party check being deposited, the check was from a friend that lived with me in my dorm in college and he had went home for the summer due to classes being online and lived in XXXX at the time, the company chase then asked him to come in and verify the check which was not possible as I told them! They then proceeded to close my account when the check was not a legit check just was not able to get him to fly to the us to verify and then allows me to open a new account last Friday and as of today has put a restriction on that new account and will close it in 10 days without a explanation and the supervisor was very rude and hung up on me in my face!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and I noticed hard inquiries that I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX 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 2022-04-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I received a text message seemingly from JP Morgan Chase asking if I authorized a XXXX payment to XXXX for {$2000.00}. I replied no and immediately received a call from the same 800 number that is on the back of Chase debit cards. They informed me that someone had hacked into my XXXX account. Upon opening the mobile banking app and going to the XXXX feature, the app reflected my first and last name and said it was registered to XXXX. At this time I was trying to get control of my XXXX back because it was absolutely hacked prior to receiving the text and call. The {$2000.00} left my account when I associated my cell phone number to my XXXX account. I now have discovered this is a nationwide fraud event that is affecting thousands of people and Chase is refusing to do right by its customers and refund them their money claiming to have no recovery rights with XXXX even though JP Morgan Chase is an owner of XXXX. I immediately called the chase fraud department and deactivated XXXX less than 5 minutes after seeing the money be stolen. I Reported the fraud to Chase, I did everything they told me to do. I filed a police report, I went to the bank and changed my account numbers, I changed my username and passwords. I did everything they told me to do and on XX/XX/2022 they issued me a temporary credit and then on XX/XX/2022, they sent a letter saying they said I authorized being robbed of {$2000.00} and that they would be taking the money out of my account on XX/XX/2022 which they did and now the account is overdrawn by {$2000.00}. I was a loyal customer of Chase for almost 20 years and the way I was treated as the victim of a crime was atrocious. I have attached the dispute I submitted. I called to dispute the result of their investigation and was provided an address and fax line where I sent my dispute letter and backup documents and I never heard back from anyone. The specialist i spoke to said that they tried to recover the funds from XXXX but that XXXX " didn't want to '' so therefore, I, the customer suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX # XXXX has violated my consumer 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 an account without my written instructions. XXXX XXXX XXXX XXXX has also violated my consumer rights pursuant to The Gramm-Leach-Bliley Act which limits when a financial institution may disclose a consumer 's nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been harassing me for over a year now with repeated phone calls. When I block one number, they call from a different number. 

The most recent phone call is when they called twice XX/XX/XXXX at XXXX XX/XX/XXXX from a ( XXXX ) XXXX at XXXX I would have to go back on my phone bill for the numerous calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have written a letter and called multiple times ( mostly to be hung up on after waiting patiently for 20 minutes/or more ) to understand what a charge on my card is for, no one has be able to answer my questions and so tired of calling to be transferred and they say it's under investigation and no more information. I keep asking for clarification for a debit adjustment charge of {$66.00} on XX/XX/XXXX and no one can provide any answers and keep getting the run around. 

Sincerely, 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 2022-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, I noticed an inquiry from XXXX XXXX Bank on my Transunion consumer credit report. The issue I have is that no investigation was done by Transunion and the inquiry is still on my report. I say this is an issue because I don't recognize the inquiry plus the name on the inquiry is spelled XXXX XXXX. How could this make it to my report of Transunion is supposed to be exercising grave responsibilities. I attached proof of the inquiry and the spelling of my name being wrong. I also attached the Identity Theft 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 2022-06-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraud dispute with Synchrony Credit. The company agreed to refund original disputed charges. When checking the math, 3 of the disputed charges were not refunded. Attached is a screenshot of the Synchrony statement showing all refunded amounts. XXXX charges for {$360.00} and XXXX for {$410.00} ( {$1100.00} total ) were not refunded. Since my original balance was < {$800.00} before the fraudulent transactions in XXXX, and I have made around {$1200.00} in payments since then, my current balance should be a negative number. Note : Synchrony did not respond to my first letter to them in XXXX of this year. They did respond in XXXX XXXX CFPB.

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 monetary relief
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-04
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX My consumer rights were violated with incorrect reporting on this account. 

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy.

15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years. 
15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I started receiving emails from Chime about an account that had been opened. I have never heard of Chime before, and thought it was just spam and ignored it. Today I received a debit card in the mail for the account. I went to the chime website and submitted a " Forgot Password '' request and got access to the account. 

The account was created using an email address I've never given out or used for anything, but just forwards into my day-to-day email. 

While there were no charges against the account, and I was able to call in and get the account closed today - a XXXX search showed this happening to many other users. It seems Chime might be creating accounts for users without their permission as a marketing tactic or something? Anyways, it seems immoral at best and probably illegal in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX charged me {$920.00} was to be shipped to get to me on Wednesday XX/XX/2023 but on Wednesday I called to tell them that it still aint shipped and if it isnt then cancel it they said yes they will. XX/XX/2023 at XXXX pm They just shipped it and it was delayed and not received so for a item then after not reviewing it with XXXX they couldnt find it and was lost so they said contact XXXX which I did multiple times to help the wont and told me to stop calling them even hang up on me. So I went to affirm to dispute it and they opened it I have so much proof from XXXX and XXXX but still giving issues with closing the loan even after the proof that didnt get it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

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