BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Chime Financial Inc
State: AZ
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:
On XX/XX/2023 around XXXX I went to login to my Chime bank account app to check my balances, but I was unable to login, it said my phone number and password had been changed. So I had to request a temporary link sent to my email to login. I logged in and I changed the phone number back to my phone number and I changed the password. In order to change these I had to verify my identity by sending a picture of front and back of my license and take a selfie picture and send it. After I completed all of that I went into the account and saw 5 unusual transactions that I did not make. XXXX ) XXXX, XXXX, XXXX posted XX/XX/XXXX at XXXX for {$12.00}. XXXX ) XXXX, XXXX, XXXX at XXXX also for {$12.00}. XXXX ) XXXX XXXX  posted at XXXX for {$8.00}. XXXX ) XXXX posted at XXXX for {$490.00}. XXXX ) XXXX posted at XXXX for {$990.00}. I immediately called Chime Bank and told them that my account had been hacked and there were 5 unauthorized charges made from my account. They looked it up and said that the charges were still in pending status and that they can not file a dispute until the charges settle, and once charges settle then I can file a dispute and it will take up to 90 days for them to investigate. I said if they're pending why cant you just cancel them? They said they have to wait for them to settle to do anything. They said if I wanted to speed up the process I could try to contact the merchant. I contacted the merchant and they said they would cancel the charges just have my bank contact them. I called Chime again told them the merchant said to call them and they will cancel charges. Chime refused to call the merchant. Couple days went by and 3 of the charges settled so they started the dispute investigation on those 3 charges. I sent them screenshots showing my password and phone number had been changed on my account and an email from merchant saying to have bank call them to cancel charges. The bank then denied my disputes for those 3 charges saying no error occurred. The other 2 charges ended up expiring and never settled so money went back into my account. I called chime again told them I wanted them to send me the documents they used to determine no error occurred and I asked them why would those 2 charges that went back into my account why would they never have been pushed through and settled? They said XXXX merchant must have seen something wasnt right so never pushed them through. I said why is it that merchant could see something wasn't right and not push the charges through to settle but you guys somehow can't see that something is not right?? I also sent them screenshots from my XXXX account that's connected to my bank which shows numerous attempts to login to my account with wrong password entered and these attempts were from XXXX, XXXX, XXXX, and several attempts from different states in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2023-04-18
Company: Experian Information Solutions 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:
Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-12-08
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:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: LA
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:
Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.

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 2023-04-18
Company: AES/PHEAA
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 owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and FedLoan. Fedloan transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the Fedloan account should be removed ASAP. ALL Fedloans were transferred to XXXX and it is attached to this dispute with the actual Fedloan notice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Lexis Nexis report indicates that XXXXXXXX XXXX ran an inquiry on my report, on XX/XX/2022. 

XXXXXXXX XXXX didn't have my permission to request a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-17
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2022 while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This company is violating my consumer rights. I submitted a dispute regarding an inaccurate bankruptcy for which is being reported to the credit bureaus. The company failed to provide documentation stating where they received their information from. The company continues to fail to remove the negative false information pertaining to a bankruptcy from my report. In addition, the courts verified that they do not submit consumer information to third parties. Therefore this company is gathering information and inaccurately/illegally reporting it. Public records, specifically ones that are inaccurate, do not belong on credit reports. My rights are being violated. According to the FCRA law 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. This company is doing illegal activity, harming my credit worthiness in the process.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting ag 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

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 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 


XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, 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.

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 seven 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. 

These inaccuracies are stopping me from obtaining a reasonable car payment and purchasing a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Continental Finance Company, LLC
State: PA
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 am a customer of continental finance, by way of Celtic bank.On or around XX/XX/XXXX, I disputed a charge of {$620.00} with my credit card department. Followed all procedures and answered all questions. On or about XX/XX/XXXX the dispute was finalized in my favor and I was awarded a credit of {$620.00} and also was sent a letter stating so. I then called in the following month, XX/XX/XXXX, and was disgraced to find out that the disputed balance of {$620.00}, had been reapplied to my account. This reapplication then created a balance owed of {$1800.00}, taking me over my credit limit. This is the only card I have in a negative status as I have worked hard over the last 2years to rebuild my credit. This also came at the worst time and disqualified me from the ability to purchase a home. This has effected me as well as my family.

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 2022-11-30
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 Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 seven 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Volvo Car Financial Services U.S., LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am lodging this formal complaint against Volvo Car Financial Services, related to an unjust credit report dispute connected to my account ( number XXXX ). 

Despite having an impeccable payment history with Volvo, I am now facing a damaging mark on my credit report. This stems from a disposition fee of {$350.00} that I promptly paid via check in May this year upon receipt of a requested invoice from Volvo. Regrettably, it appears that this check may have been lost in their third-party payment processing center, and my attempts to resolve the issue have not been successful.

In the absence of clear communication and documentation, including the lack of a contract copy at signing, I initially found the fee surprising and suspicious. My online account, which was closed soon after my subscription ended, showed a " paid in full '' status upon the car 's return, with no indication of additional charges.

In the aftermath of my completed subscription with Volvo, I did receive several phone calls regarding this disposition fee under the Care by Volvo program. However, due to the high frequency of daily scam calls regarding the vehicle, I requested either an email from an official Volvo address or a mailed invoice to confirm the legitimacy of the charges.

I have urged Volvo to launch an investigation, specifically asking them to reach out to their payment processing center to locate the lost check. I have also offered to provide a carbon copy duplicate from my checkbook and bank statements as proof of the missing check. To this date, Volvo has not resolved this issue, and the charge-off remains on my credit report.

This situation has underscored the need for personal record-keeping, and I have requested copies of all statements, invoices, and correspondence related to my Volvo Financial account. I am disheartened that this issue persists despite my efforts to resolve it promptly and am concerned about its impact on my credit report.

Company response to consumer: Closed with explanation