BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: PREFERRED CREDIT INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: OH
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 to the Fair Credit Reporting act XXXX  account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional convergent accounts that violated my rights, 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

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 2023-06-27
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: Account status incorrect

Complaint:
Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all 3 credit reports are hurting showing open and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
This is my first endeavor 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 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits

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 2022-11-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXExperian : violated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the letter asking XXXX, XXXX, and Equifax to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and Equifax # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After receiving a CHIME XXXX XXXX XXXX  for referring two customers to join CHIME, I contacted XXXX XXXX XXXX to report that I do not have CHIME banking and did not refer anyone. A representative who called herself XXXX, wanted my social last 4 digits and DOB. I refused and asked for supervisor and was told there was no one and that Chime Financial was an online technical bank service with no address or Country of origin. So in order to report fraud I had to supply her my info and without it she could not help me. After talking with her at XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, I receive an email " Welcome to Chime, Create a password on Chime link. This is not the first incident of reported identity theft. I have never requested anything from Chime, referred any person, nor opened any account with this institution, nor their " Chat '' room. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Winklevoss Exchange LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I currently have cryptocurrency being held by Gemini Trust Company LLC in my " Gemini XXXX '' account. The amount is around {$100.00} at today 's prices. Gemini has frozen withdrawals from these accounts for over a month now. There is no timeline on when I can expect the funds to be released back to me. 

At this point Gemini is committing fraud and has outright stolen their customer 's money. Their business should be shut down so that they can not continue to steal customer 's deposits like they have from me and thousands of other Americans like me. Gemini should be forced into bankruptcy if they can not make their customers whole. This charade has gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-06-27
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX  Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NV
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 happen to check out what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX Acct # XXXX Balance {$15000.00} XXXX XXXX XXXX Acct # XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$1500.00}

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 2023-04-10
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-12-17
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2022, I requested my consumer file from LexisNexis via their online portal. On or about XX/XX/2022, I received a response that they were unable to process my request because they could not authenticate my identity. The correspondence directed me to resubmit my request, via the online portal. On XX/XX/2022, I resubmitted my request via the online portal. On XX/XX/2022, I received another identical correspondence from LexisNexis stating they were unable to process my request because they could not authenticate my identity. No specific reason has been provided by LexisNexis stating why they could not authenticate my identity. I submitted all relevant personal information, including my social security number and Missouri driver license number, yet they still refuse to provide my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-06-27
Company: EQUIFAX, INC.
State: AL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have payed a total of XXXX already on a XXXX dollar loan and still owe another XXXX for some reason wasnt aware of all the extra fees and that only a small portion of the money went to the payment of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is about two years old ; Navy Federal has given the debt to another company, XXXX XXXX XXXX XXXX XXXX XXXX took a payment from me, saying they could settle the debt. Navy Federal refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with Navy Federal, and they will provide nothing. XXXX XXXX XXXX reached out about two weeks ago, saying Navy Federal agreed to the settlement. I contacted Navy Federal, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. Navy Federal took money out of my bank account and honored some of the refunds I disputed. Navy Federal went on to close a credit card with a deposit of XXXX  and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In summary, I was put in automatic In School Deferment without asking me first, I spent a month trying to get this resolved before payments restarted. Then after I had made a payment much larger than what I was quoted for, I received word that my request was process and that I am for some reason also liable for XXXX 's payment as a late payment, which I was never made away of and everything I'm seeing is showing I should not be charged for. 

Time line of events in detail : On XX/XX/2023, Aidvantage put me on In School Deferment without notifying me first if this was something I'd want to have applied to my account. 

On XX/XX/XXXX I reached out via their web portal to get this canceled. 

On XX/XX/XXXX, I called into their support line and was told that my deferment would be removed and that my Expected payment date was XX/XX/XXXX for {$290.00}. 

I was told that this would be reflected on my account in a day or two but it was not. 

On the XXXX, I received an email from their inbox ( which I can't even respond to ) stating they are still working on the changes to my account. This was after claiming that my payment was supposed to be {$740.00} but then correcting themselves and providing no further information other than that this was a mistaken amount. 

On the XXXX of XXXX and the XXXX of XXXX I received the same email stating that my request was being processed and that I would be receiving more information soon. 

On the XXXX of XXXX, I submitted a payment of {$300.00} spread out across all of my loans allocated based on estimated repayment amounts and then a further {$150.00} to my loan with the lowest balance. This payment is still processing. 

Today on the XXXX of XXXX, I received word that the changes were finally made to my account, that my payment was indeed due on the XXXX, and that it would indeed be the {$290.00} I was quoted over the phone. 

When I checked on their web portal was XXXX listed ( this is fine, I imagine the payment I made will be processed and then this will be resolved ) but then I was marked for a late fee for a payment in XXXX. I was never made aware of needing to pay in XXXX and everything I'm seeing online is that my payment should only be for a date in XXXX, not in XXXX and not in the least a full month before I was being quoted as having my next payment due back on XX/XX/XXXX. 

I have now both sent in a new inquiry ( as there is no way to respond to them via email ) and have been on the phone waiting on hold for almost 40 minutes with no idea how long I'll need to wait in the middle of my work day.

Company response to consumer: Closed with explanation