BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: United Collection Bureau, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a text today from the previous phone number provided. to contact United Collection bureau Inc. at phone number XXXX which is a different number than indicated on their website. I find this suspicious deceptive and also intrusive as I have received no written communication from this company nor do I see them appear on my credit report. I emailed the company directly to either send me any formal written communication they have concerning any debts and to stop all other forms of contact until I have been given the appropriate and legal amount of time to review any claims. I have attached a copy of the email sent to the company should their memory be foggy on the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail about a debt i have no knowledge of. This also clearly out of the statue of limitation in my state. This alleged debt seems to have been through a credit card company and then to collection agencies claiming I owe a balance with no original contract, nothing with my signature. no media of account statement of payments or first date of delinquency, I don't know this company and never authorize my information to be sold or transferred. This is against the privacy act and this is also time barred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Professional Services of NY, Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Professional services sent a me a letter demanding payment of XXXX I sent a Debt validation letter on XX/XX/2021 certified mail. I didn't obtain nothing, but they kept calling and sending me threatening letters about league action, in my Debt validation letter I reminded them that under the fair credit act I was requesting that no contact should be made, I gave them 30 days.

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 2022-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from 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 explanation
Consumer complaint received 2023-01-18
Company: Chime Financial Inc
State: GA
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:
I paid for my rental car with cashiers check. I had XXXX transactions pending and/or on hold from XXXX XXXX XXXX, once I paid with the cashiers check the pending card transactions were reversed/released at the same time by XXXX. The XXXX transactions are {$350.00} and {$1400.00}. The day after XXXX  released Chime XXXX XXXX XXXX reversed only XXXX transaction of {$350.00} and kept the {$1400.00} as pending even though the release was done at the same time. I called chime and they did a XXXX way call with XXXX  that told them the funds were reversed XX/XX/2023 at XXXX with reversal authorization code of XXXX XXXX. Chime keeps saying they have to try to put my money back and still 6 days later have not done so. I have supporting documents showing Chime should have released my funds days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few Inquiries on my credit report I do not recognize

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of XXXX late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 my lease with ally was paid off due do an insurance claim. I received multiple calls after about a balance that was owed for XXXX after the payoff. I did not understand why there was a balance and rep could not explain either so I asked for a detailed letter explaining the charges.I did however make a payment for XXXX after the just so I wouldn't have any collections hit my credit report. In XXXX I received a detailed breakdown of fees and it explained that the balance was my insurance deductible which I had believed I would've received a bill from my insurance company. Which left me skeptical, so I reach out to my insurance company to verify which I told Ally I was going to do. Once I received confirmation paid Ally off. The following month XXXX my correct report showed I had been in collections since XXXX for XXXX. I called Ally to dispute and to no avail no a soul understood what I was talking about they just kept saying my account is paid off in good standing but in fact it's not and this has hurt my credit score tremendously. I have never missed a payment and for Ally to put 4 months of collections on my account is not only wrong but big a inconvenience to me.

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 2022-10-24
Company: EQUIFAX, INC.
State: MD
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 the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A 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 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of 10 late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I emailed Navient two months ago about taking my loans out of forbarrence. They did not. I'm also concerned that they steered my loans into forbarrence without giving me the knowledge of what it was and what it means. I simply want to pay off my student debt it doesn't matter if it takes me 10yrs I would like to see my student loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2022-12-22
Company: BetterNOI, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a claim with Chime Bank on XX/XX/2021 for the amount of {$100.00} for XXXX XXXX XXXX XXXX. Chime Bank denied my claim on XX/XX/2021. I followed the procedure to receive the documents used in the determination of the denial. Chime Bank provided me a copy of an invoice with no explanation at all. 

Chime Bank does not properly investigate fraudulent claims. I expressed to them that I do not reside in the XXXX XXXX XXXXXXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: OneMain Finance Corporation
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days. 


I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX Balance {$1800.00}

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 2023-03-13
Company: EQUIFAX, INC.
State: IL
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:
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. 
Account - XXXX XXXX  XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX  XXXX Account - XXXX XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account XXXX XXXX  XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX LL XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX  XXXX XXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address XXXX : XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. I have also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-25
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:
In accordance with the Fair credit report act XXXX XXXX XXXX account number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX, XXXX Balance {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: T.S. Holdings
State: WA
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 submitted dispute regarding the claim of collections to the creditors. I provided proof of payment and a moving damages report to IQ DATA INTERNATIONAL back in XXXX of 2022 or XXXX of 2022. They never told me my dispute resolution. The investigation took well over 30 days. The

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
I am making this complaint my self I me XXXX XXXX XXXX XXXX being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.

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 2022-10-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX 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 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation