BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or has reasonable cause to believe that the information is inaccurate.

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 2023-03-12
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX XXXX and XXXX XXXX XXXX In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( XXXX, equifax, XXXX ) haven't acted upon this yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-04
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was just made aware that I debt had paid off with Portfolio Recovery Service previously was readded to my credit report, with the status going from " paid '' to " derogatory. '' As of XX/XX/2023, it was reopened. 

They are also reporting an old account as collections in the amount of {$300.00} as an open balance, which is illegal and a violation of my rights under the FDCPA. You can not have a bill in with a collection agency that has an outstanding balance, as per 15 US Code 1618i.

In the past, when I requested validation of this debt, they only verified it. I was never provided with the documentation of how they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: AZ
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:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.

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 2023-10-05
Company: Chime Financial Inc
State: TX
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:
I ordered food from a 3rd party company ( XXXX XXXX ) and it never got completed and I have evidence of the order being canceled. I disputed the charge with Chime after never getting a straight answer from management and getting the runaround on who wad to refund what. Chime has sided with the merchant with evidence of order being canceled. Chime has said are going to hold funds till XXXX even with evidence. Almost {$100.00} of undelivered product with evidence and Chime has still decided to side with merchant and hold funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit 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:
Problem : I ordered two items from Amazon and never received them. I paid for them using my Synchrony Amazon Credit card. 

XX/XX/ -Requested refund ( {$26.00} ) letter- USPS mail Synchrony Bank didn't respond to request for refund until I emailed them on XXXX  through the web site.Basic response was they are looking into it. 
XX/XX/ - Synchrony Bank decision, they were not going to refund me {$26.00}, because Amazon said I received the items ( diced pears and freezer pops ). The information Amazon supplied to Synchrony Bank Clearly shows I did NOT receive these items. 
XX/XX/ - through Synchrony website I submitted a reply with additional supporting documents. 
I inquired a couple of times to see if they were reviewing the additional documents, with no response from them. 
XXXX XXXX XXXX attempted to submit the documents again. I get a message " try again later ''

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 2023-10-06
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please see the attached. Since I've had so many issues with Edfinancial, I decided to XXXX search them to see if they have had any issues and found the attached civil case against the company. 

So what has happened is I have been trying to get some clarification around my repayment plan ( s ). Why my loans have two different terms. One loan has a 10 year term which will balloon to payments I can't afford. The other has a 25 year. One loan is eligible for the extended fixed but the other one isn't. I was told by one rep that there are 4 repayment plans that I could be on even though I can't see what my options are for each. I was told by another rep that it's only 2 plans that I'm eligible for. 
How am I supposed to move forward without all of my options? I feel like they are trying to mislead me into making these payments with these terms like I have no options. Now the first payment is due in two weeks and I still don't know anything. 

I have called at least XXXX times since XXXX to get clarification around my repayment plan ( s ). The wait times are ridiculous giving you wait times of 10 hours which they give you in minutes ( 600 minutes ). So you more than likely will have to receive a callback. Sometimes I would get a callback and sometimes I wouldn't. I get the callback only to find out the representative can't answer my question or help me and need to escalate. Never get a callback. I eventually asked to have a supervisor call me back. The first supervisor I spoke to said she would have my account corrected and updated. I checked my account on the website after 10 business days like I was told.The update never happened and it was supposedly submitted as an emergency. I called on Wednesday after being on hold for 2 1/2 hours and asked to speak speak to another supervisor. I got a phone call back from another rep who didn't provide me any more help so I said I will wait for the ( 2nd ) supervisor to call me back and I was unable to answer. That brings me to today, called again and was told by the rep that the supervisor made notes about me asking about why my payment amount increased. I said that I never asked about that and I wanted to talk to a supervisor. She wanted to give me the same song and dance about a supervisor calling me back and I refused. She said she couldn't which I know is not true because I've dealt with these situations and I feel like since they knew that there was no way I could go any further, she eventually hung up on me. Her name was XXXX. So here we are. 

This is a condensed version.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$93.00}.

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 2023-07-31
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: Was not notified of investigation status or results

Complaint:
I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score?

3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX  I purchased a home and entered into a Bank of America Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX  and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

Bank of America and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, Bank of America has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to Bank of America, they have provided no relief.

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 2023-09-15
Company: Chime Financial Inc
State: MO
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 I had just gotten paid through my Chime ( BankCorp NA ) account and was getting gas. At the same time I got an alert that there was a {$610.00} withdraw that was taken out. My account had been hacked into. I called Chime and reported this immediately that this transaction was not authorizated, Instead of them stopping the transaction they file a dispute. They denied any wrong doing and would not return my money. I reopened the case and they still denied any wrong doing was done. I reopened it a thrid time and even sent a police report and they still will not return my money. I have called them several time and they will not let me talk with any one in their investigation department. They are refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.

Company response to consumer: Closed with non-monetary relief