BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 inquiries. 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 2023-02-25
Company: Cooling & Winter LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello I have a question so this attorney name cooling & winter is suing me for credit card debt for XXXX XXXX  XXXX when I ask them can I handle this out of court I never received an response I have court in XX/XX/XXXX and I have no money Im stuck in New Jersey at the moment an Im not sure of what to do and they never notified me they was sending me letters no calls no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: GA
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:
Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Chime Financial Inc
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I was given an invitation to establish a Chime account with the assurance that once I had deposited {$200.00} the individual that sent me invitation and I would receive {$100.00} each. We spoke to multiple Chime representatives about this. We were instructed to go to the Social Security office and have them redirect {$200.00} to the Chime account. Social Security said they can not split my monthly payments. We called Chime again and were advised to do a bill pay from my banking app. I went to my bank branch and completed the necessary paperwork to send Chime {$200.00}. Now Chime is refusing to honor their advertisements as well as the instructions given by their representatives. I do not want to continue with Chime if we're not going to receive the advertised {$100.00} each. I tried to cancel the Chime account and stop the bill pay, but I find out it will cost me {$36.00} to cancel. This isn't right. We did exactly what Chime instructed us to do. Multiple representatives lied to us on multitude occasions. Please help me and expose Chime for theie lies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a 30-day late payment from Macy/CITI, I checked with XXXX XXXX and sure enough, there is a 30-day late on my XXXX account. I called Macy/CITI and started an investigation because they said I have a new account that I never knew about was started a month ago, they said to reach out to the FTC and the credit bureau

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 monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: WI
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 XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX. According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate 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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-20
Company: Lendsmart, Inc.
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:
multiple companies pulled my credit without my consent,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I shopped with Afterpay ( pay in 4, no interest ), for quite a few orders, mostly in XXXX and XXXX this year. They pay the full order total to the merchant, XXXX, for example, and I pay Afterpay 1/4 every 2 weeks. I used the service many times, and almost always paid afterpay the whole balance way before it was due. So, I returned quite a few items to the merchants directly, packaged, took to XXXX to mail, etc. When the merchants refund the money, it goes to afterpay, who has an incredibly confusing way of refunding, if you haven't paid it all yet, then afterpay is supposed to deposit into my cash app. Since my orders were paid in full, it should've been the whole refund amounts, no formula needed. I recently realized, they are not actually putting money in my account, just pretending to. ( I'll include lots of proof ). I even kept a XXXX balance on Cash app, just to be certain, and sure enough, 2 different " refunds '' were put in my cash app, and my balance was still XXXX. I even have emails from afterpay, saying the refund process is failing, and they want all my banking information to try again. Only after weeks of CASHAPP and afterpay " support '', me proving at least a dozen times what was happening, did I finally receive the two smallest refunds. I am starting to think cashapp and afterpay are perhaps in on it together, because it's pretty obvious the refunds are bogus, and cashapp support constantly responds with some random answer that literally has nothing to do with my issues. I'll send screenshots, but even the afterpay " refunds '' don't look like refunds. Any refund I've gotten when I didn't use afterpay, has a +in front of refund, but afterpay either crosses out the amount, or just puts the word " refund '' but does not add money. I'll attach lots of proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: MN
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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 XXXX 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 2023-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a debt validation letter due Clark County Collection Services XXXX hss file a complaint with court. Instead provided medical records which is direct violation of HIPPA Regulations. I never signed a HIPPA Form authoritizing them to have access to my medical history or treatments. On XX/XX/2022, I was sent out a debt validation letter from Clark County Collection Services XXXX providing full disclosure of medical treatment and procedures. It is violation of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$460.00}

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 explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Personal information incorrect

Complaint:
I CONTACTED ALL THREE CREDIT REPORTING AGENCY TO CORRECT MY NAME AND ADDRESS ON MY CONSUMER REPORT PHONE NUMBERS

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2022 we were offered by nation star a chance to defer our monthly mortgage for a year due to Covid, after which the federal would be added to the end of our mortgage contract. In XX/XX/2022 we began calling to begin paying again whereby nation star told us we needed to apply. We had already been told and applied online, answering their info so we assumed we were already accepted. When we tried to begin paying they told us we needed to send documents which we did for 5 months. We sent over 35 documents but they kept delaying. Finally we decided to sell to cover our mortgage costs. On closing they charged us interest for all those months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation