BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT ALL XXXX PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX, AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL XXXX OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! XXXX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! TRANSUNION, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A XXXX XXXX : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL XXXX CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!

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 2022-06-09
Company: Experian Information Solutions Inc.
State: WA
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 XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly.

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 2022-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to XXXX XXXX, Equifax, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days XXXX  IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I called creditors discount & audit co. to settle a debt from rehabilitation after XXXX XXXX XXXX. I asked how much they would settle out for and they told me XXXX of a XXXX debt.i called back 5 minutes later to ask them if they would take payments on the verbal settlement over the phone and the representative " XXXX XXXX '' said yes so I them made XXXX payment and called the next week to pay off my balance in full and was told my balance was XXXX so after explaining to her that they said I could make payments she then responds to " I misunderstood '' and telling her all of their phone calls are recorded she then said " yes we messed up and your balance is XXXX '' after that I insisted to talk to a supervisor she then transferred me to her supervisor and left a message and a week later after no phone call I called back because obviously her supervisor doesn't care so after saying I just want to get it over with I said I'll pay the XXXX and circled back to the first conversation and reminded her again that she said she messed up and the balance was XXXX so again asked to speak to her supervisor and left a 2nd message and no call back " 2 weeks ''. So after careful consideration I feel that this is an obvious unfair and deceptive practices. I'm trying to pay my debt to improve my credit score and cant even though I'm honoring to the settlement agreement and they are not " reneging ''. I never thought I might have to sue to pay my debt settlement agreement.

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 2023-01-26
Company: Chime Financial Inc
State: GA
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:
My phone was stolen which was connected to most of my banking information and applications that had my credit and debit card attached to it, unauthorized charges was made on my XXXX  account in XXXX  that I did not make or travel to I filed a dispute to XXXX  and they told me to file a dispute to my bank for a chargeback due to them not being able to refund me as it would mess up the reviews for the hosts on XXXX itself I filed a dispute to my bank and they declined my dispute within XXXX hours without letting me upload proper documentation as I was told that I can upload documentation so they can investigate XXXX  XXXX - XXXX XXXX XXXX {$360.00} XXXX  XX/XX/2022 {$45.00} XXXX  XXXX XXXX {$150.00} XXXX  XX/XX/2022 {$99.00} XXXX  XX/XX/2022 {$31.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$130.00} XXXX  XX/XX/2022 {$100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: KINGS CREDIT SERVICES
State: CA
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:
This company continues to be deceptive and invade my privacy. They are reporting and damaging my credit, they communicated with me several times in regard to a alleged debt. I have expressed to them, I dispute this alleged debt. Ive called and put in complaints to the CFPB, as well as the XXXX Within the XXXX they state I owe this alleged debt. Which is false and misleading. As well as obscene and profane language. Ive asked for ALL accounting, and documents related to this alleged debt. They sent me some invoices from some other company as well as a blank paper with some times and dates " that claim they called in regards to this alleged debt. They we not looking for location information from their supposed notes. These look to be repeated harassing calls in connection with a alleged debt. Further violating my rights as consumer and violating my privacy. I don't know how they received my personal information to even contact me. I have never consented to do any business with Kings Credit Service nor have them invade my unalienable right to privacy. I have given there company several laws they have broken as well as spoke to their Attorney XXXX XXXX. He was suppose to be getting back to me, with ALL information I have requested. The File labeled XXXX XXXX is the supposed verification and validation, they claim they have given me. There is no forward flow agreement or bill of assignment, if this is my alleged debt and they have any rights to collect. The amount they are alleging I owe is a positive amount. This we be my last act in good faith to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected brands such as XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; Experian, XXXX, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2022-10-25
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During a visit to XXXX for 11 days XX/XX/2022 to XXXX XXXX I had rented a card with XXXX XXXX ( record number XXXX ) I used my new XXXX XXXX  XXXX credit card with a XXXX Limit. Everything was FINE- the car was filthy and dirty and I gave them a bad review because the car was NEVER cleaned a child had licked their hands and wiped it all over the back windows. Someone had spilled a drink in it and French fries were all down in the seat. Due to flight delay from Florida I should have arrived at XXXX XXXX and instead arrived at XXXX so it was dark and I picked from the 5 STAR group that was left. Regardless, I never complained. I filled the car on the evening of XX/XX/XXXX because Of the extremely early flight back to Florida that cost me over {$50.00}. Fast forward, I had given them a poor review when I got home and noticed on my FINAL receipt they charge me {$20.00} additionally for GAS. This was ridiculous and I put that in my review. MOVE ahead to XX/XX/XXXX I got a notification on my cell phone that SOMEONE fraudulently was trying to charge my card from XXXX XXXX and thankfully my card DECLINED it as fraud. Now, ever since that day I have been receiving ( to the level of HARASSMENT ) almost every other day notices from XXXX that I have an amount due of {$740.00} which is IMPOSSIBLE since I have the finally receipt from them that was emailed to me showing the Credit card that was used on XX/XX/2022. 

Now on XXXX XXXX I received a collection letter from XXXX XXXX XXXX, XXXX trying to collect an amount that I DO NOT OWE. I believe that this is an extremely important matter and I will be forwarding this to the XXXX XXXX XXXX of TX and my XXXX XXXX XXXX to inform them of the situation. I believe that there is a VERY SERIOUS MATTER OF FRAUD taking place or very least Retaliation for the review that was left. I have no idea. I have the final receipt from XXXX and then SUDDENLY in XXXX ( mid ) they are trying to bill me. I ive rented many cars throughout my lifetime and I have never seen a company try to send you a bill a month after the rental thats unheard of there was no problem with my card it was approved when I took the car they had a hold on the money and I have an email showing that that they held that amount so why Im being charged or trying to be charged again looks very very suspicious and now Im being turned over to collection Agency is absolutely appalling these companies are out of control these corporations think that they can do absolutely whatever they want to just regular honest people and that is not going to happen and again both of these companies the collection agency and XXXX this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I attempted to login to my Charles Schwab account that includes my checking account and was met with an error " For your protection, we need to verify your identity before proceeding. Please call XXXX for assistance. '' When I called over the course of the past week and a half, nobody knew why I couldn't access my funds. I was told there wasn't an extension to the office that is handling this and they will review it for 7 to 10 business days. 

I can't access my money in either my brokerage account or in my checking account for almost two weeks. I have tried to resolve this with Schwab, tried to get a reason why my money is unavailable. I trusted them with XXXX of XXXX  of dollars of my hard earned money and they won't let me even close the account or get my funds. This isn't okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with Equifax for 2 years trying to have inquiries removed from my credit report. I have sent in requested documents ( Police report ) in to the company over a number of Six times. I constantly call in and I am told it will be removed in it will take up to 30 days to had it done. Times goes by and I reach out to them and I am out through the exact tactics again and again. I have a right to have items that dont belong to me removed from my report. They will not Apply with my request. I am starting to think this a XXXX issue. And I will not stop until this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXX returns an error for all three credit score providers.

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for Experian, XXXX and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.

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 2016-06-12
Company: Great American Finance Co
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur

Company response to consumer: Closed with explanation