BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}

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 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXXnote 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( Equifax ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently came back from an overseas travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my trans union credit bureau however no changes have been made.

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: 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My accounts were closed stating violating terms of service which I was not made aware of. This was a second deposit transaction which the first one was 9 months prior and there was not a problem. I received my 2nd assistance thru the SBA for my self employment. My accounts checking, savings, and a credit account closed with close to 15 thousand combined with no warning. I was asked to provide all identifying documents and details of my business and SBA loan documents. My account was closed and my money being withheld. I call numerous times and now Chime has block my number without providing any information to what terms were violated. I asked to have call escalated and was ignored and mistreated feeling discriminated against. I have not been able to live without borrowing money and maxing out my credit card. Account was suspended on XXXX and closed on XXXX. I was refused when asked to speak with investigations in regards to releasing my legitimate funds which were from employment, IRS, and XXXX loans. My savings alone was over 10 thousand. I can not provide actual amounts due to being ignored and blocked out of chime system. I feel totally displaced and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 explanation
Consumer complaint received 2022-06-28
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 status incorrect

Complaint:
Back in XX/XX/2021 I paid the collection agency for XXXX to pay the account in full, a paid in full letter was sent to XXXX and experian, it still shows as written off unpaid so the end of XXXX, I resent the letter to both and it has not changed. I need this to be corrected please.

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 2022-06-07
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this FIDELITY CREDITOR SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1400.00} but as of this writing, it is now reported to be {$1900.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My sister accidentally sent money to an old Venmo account of mine when trying to send it somewhere else. We contacted Venmo and they refuse to reverse the transaction saying I owe them money for a failed payment that should have never been made. Never did I receive a notice regarding the failed payment and they paid it basically making me responsible for something that shouldnt have gone through. Now, my sister is trying to get her money back and she cant because the collections department refuses to give her money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: TN
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 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 2023-11-11
Company: Early Warning Services, LLC
State: KY
Product: Credit reporting 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:
Despite making phone calls, mailing off documentation, and submitting documentation via their online portal on XXXX separate occasions over the last XXXX days, Early Warning refuses to release or provide documentation on my personal credit profile/report. They do provide a convoluted system ; you have to register with a third party, with instructions provided over a XXXX, which expires after 30 days or XXXX logins. From there, you can submit various documentation to begin the request process. 

This is XXXX, confusing, and often fails to generate any response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent a check to the United States Treasury to pay my taxes through Chase Bank- and that check was stolen, forged, and cashed. I only realized it when the United States Treasury sent me a bill saying that I never payed taxes in 2022 so I went to check what happened as I knew that I sent the check and it was cashed. 

Upon looking at the check I noticed it was forged and a new name was on it and it was cashed back in 2022. I immediately went to Chase Bank and filled out the proper forms with the Chase Bank manager and he told me this happens a lot and I would have no problem getting my money back. 

The forms were sent and I a couple of days ago my claim got denied because i missed the 30 day window to file a claim. I have the check I wrote and also have the check I cashed and clearly it was forged and Chase didn't deny that as the evidence is all there. They just said the only exceptions to this rule is if I was in a comma, in jail or a place that I had no access to my account- otherwise there was nothing they could do. 

I went back to the bank and asked them to file an exception as they were surprised with the results, but then said it was the policy and my chances were low. 

The date the check was cashed was XX/XX/2022 for XXXX XXXX dollars. They said that the check was cashed at a XXXX  XXXX XXXX even tho it had my social security number, 1040-EZ 2022 form written on the check. 
The paperwork and complaint I sent to Chase was on XX/XX/XXXX through a chase branch sumbited by XXXX XXXX the a Chase employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection company HRRG, has left several messages on voicemail by an angry man who demands I call the number back with no details on why hes calling. On XX/XX/22 at XXXX HRRG called me and I returned the call. I talked to someone on the phone they said I owed a medical debt, but she was rude. I told them I dont want to deal with them and also contacted them on their website XXXX XXXX I rather them take other legal actions than to call further. Hrrg repeatedly called my phone again on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, XXXX. I understand they contacted me about a debt, but that was excessive and I had to turn on a spam killer, because I was at work and couldnt receive calls from my manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation