BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I disputed XXXX XXXX XXXX in regards to a collection account that " DOES NOT BELONG TO ME. '' I disputed XXXX XXXX XXXX On XX/XX/XXXX, which I have a right to do and I am fully aware of my rights. The letter to them was mailed out on XX/XX/XXXX, sent via certified mail with return receipt. The letter was delivered to them on XX/XX/XXXX at XXXX XXXX in XXXX, Ga. XXXX. I received an email with proof of Equifax receiving my dispute on Friday and starting the process on XX/XX/XXXX. " According to the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ), the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' It is now XX/XX/XXXX and way over 30 days, which means this must be deleted immediately. I have not received a response or nothing in the mail. They are not responding via mail or over the phone about anything. They are acting as if I never contacted them. I sent everything via certified mail. I also have proof of a call log of me calling them. I called on XX/XX/XXXX to make sure the letter was received. I called twice on XX/XX/XXXX, one time at XXXX XXXX and the second time at XXXX XXXX because it was 30 days and no response. I was told call back in 30 minutes to 1  hour because the systems were being updated both times. I called again on XX/XX/XXXX at XXXX XXXX and was told the same thing that the " systems are being updated. '' All of the times I called I asked for names and ID numbers for proof and they refused. I have proof of everything stated in this response. It has been over 30 days, they are in violation of Fair Credit Reporting Act 611. This item must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Bankruptcy chapter 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

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021 I reached out to XXXX, Transunion, XXXX because I noticed some inaccurate information being reported on my consumer report. The amount owed is different with each account. I also instructed them to do a reasonable investigation to verify the accounts. They responded to me stating that the accounts have been verified. Yet it is still reporting inaccurate information. I requested their method of verification to confirm the accounts in never received anything back. Now I asking them to just delete the accounts because they have failed to provide adequate proof of the alleged debt.

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 2022-01-25
Company: CORELOGIC INC
State: AZ
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 reviewed a copy of my credit report and CREDCO ran an unauthorized credit inquiry on me on XX/XX/2021. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.

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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

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 2017-07-24
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CL Holdings LLC
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 information incorrect

Complaint:
My information was leaked in a data breach. These are fraudulent accounts and i would like to have them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NC
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, and XXXX XXXX XXXX  XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/XXXX I attempted to contact TransUnion to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to XXXX  and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my TransUnion Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is 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 2022-01-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2020-01-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 my account was closed due to fraudulent charges. I was told to send a copy of my ID and a copy of a bill to prove address. 

I sent it for 4 months straight and I was told that once received they would send me a new credit card and reopen my account. But that didn't happen and now they sent my account to collections. They also reported to credit bureau and it has brought down my score. I was in good standing therefore, my account should have been handled correctly. 

I also lost my reward points that was about 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 2022-06-10
Company: Chime Financial Inc
State: TX
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:
To whom it may concern, I have attempted on several occasions to reach out to the bank Chime customer service department via phone and email in regards to unauthorized/ disputed transactions on my checking account ending in XXXX. 
The following transactions are involved in the dispute : XXXXXX/XX/XXXX- {$110.00} For this XX/XX/XXXX order XXXX I returned all products to XXXX in which I have attached returned proof and shipping. I have tried reaching out to both XXXX and Chime regarding the matter, both seeming unwilling to help. 
XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX XX/XX/XXXX account- {$70.00} XXXX XXXXXX/XX/XXXX- {$32.00} Total amount disputed : {$240.00}. 
I initially tried contacting customer service by phone over a month ago via telephone where someone hung up on me. On Moday XX/XX/2022 I sent an email to Chime member services at XXXX, with the above disputed transactions along with supporting documents. I followed up with my initial email on Thursday XX/XX/2022 and Friday XX/XX/2022. Additionally, I have tried contacting via telephone since then several times to get no response or a human answer. This has been an extremely frustrating experience, as this transactions were unauthorized or for items I paid for but did not receive. I have attached all emails sent to chime in addition to the original disputed transactions and other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXXXXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXXXXXX XXXX  XXXX. Account # 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

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 2022-06-10
Company: Experian Information Solutions Inc.
State: IL
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 ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
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 submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. Experian reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to EXPERIAN but XXXX and XXXX blocked the fraudulent items and didn't reinsert them. 
Experian is violating the fcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a business loan of {$10000.00} through Loan Me on-line at 22.5 % interest, We went over the details on a recorded line onXXXX for over a half an hour. confirming all the legal information. I then received the {$10000.00} XX/XX/2016 for a business loan. Loan Me started receiving payments from me via autopay from my checking account XX/XX/2016 in the amount of {$920.00} then again XX/XX/2016 in the amount of {$840.00}. I checked my balance in the middle of XX/XX/2016 and the payments weren't reflected on my account. I called customer service to ask what happen to my payments. They said I agreed to a 99 % interest, I stated in my conversation of over a1/2 hour on XX/XX/2016 with their loan representative it was 22.5 % interest & I wanted a copy of the phone conversation they recorded. They refused. This is bate a switch tactic at an extreme lever and I stopped paying Loan Me. This is fraud & I don't know how they are able to state in business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Lewis & Clark Capital LLC
State: AZ
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 reviewed a copy of my credit report and FTL FINANCE AKA FTL Capital Partners , LLC ran an unauthorized credit inquiry on me on XXXX, 2020. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/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 2021-07-23
Company: Experian Information Solutions Inc.
State: FL
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  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you

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 2020-01-04
Company: Rocket Mortgage, LLC
State: NJ
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:
Quicken Loans Improper Practices On or about XX/XX/2019 I had put my name in XXXX XXXX. The banks that called me said they do income verification via bank statements and tax returns. I received a call from Quicken Loans and a man said sir we are the largest bank in the US. He then passed me to a loan person named XXXX XXXX. She said she had to run my credit but I told her I really didnt want that. When I said I was income verified thru a bank statements she said yes we can do that but I have to run your credit. I then consented based on her representation. The next thing I know is she pulls my credit and the changes her story to we do not do those loans but for her to get my SS # she lured me in by consenting that quicken did. I then said based on you duping me which is a form of fraud, that I demand you delete the hard credit run. She then passed me to XXXX XXXX of Qucken who then said he cant do that. I have experience already that when something happens or you were wronged a bank has access to be able to notify and delete. Quicken simply did not want to remedy their poor practice of deception to lure the SS # from the new customer and fraudulently obtain my SS for hard run. To make matters worse, after I told them I would file a complaint if they didnt make this right they called me countless times saying this is recorded asking me for new loans from different names and different caller ID. Even using local area codes to avoid spam blocks. 
I then have asked all the higher ups for the copies of the recordings and they say I cant have them because they are Quickens property. 
This is an absolute disgrace to the consumer and I hope this doesnt happen to any Americans. Quicken is brazen in that they actually bring you to file the complaint and have not the care in the world since they are, as they say the largest bank in the US,  sir

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Personal information incorrect

Complaint:
There is an address of XXXX XXXX XXXX on my credit report. I have informed the company multiple times and provided documentation to prove where I live and the correct address. They refuse to take it off. This is a violation of my rights.

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