BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bluebird American Express. Closed my account without even letting me know. My entire paycheck is in there {$850.00} and they will not give me access to my money that I worked for. They said they closed the account and the only way to get my money back is to mail them and then wait 7-10 business days to get my money, but I need that money to live off of and it is not there money to hold on too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Global Lending Services LLC
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Servi XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystems is housing invalid information about me in there consumer reports. It has prevented me from opening up accounts at other financial institutions. I have tried to fix this issue on several occasions yet it stills remains. It has caused me to get hard inquiries only to be denied due to the false reporting from chexsysytems.

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 2022-11-03
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:
My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly.

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX a banking account was opend with USAA bank. I was unaware of this incident until about a week later I received a debit card from the bank. I called them immediately and reported the account as fraud. They had me verify my information and stated the account was in fact opened on the XXXX however they saw suspicious information. They assured me they would be forwarding it to there fraud department. 2 weeks later I have received no update from than and instead I have recieved statements that I am being charged over draft fees for a total amount of 1,200. I called immediately today but the department is closed until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 have 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 an account without my written instruction.

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.

In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ Whatever verbiage they used in their response letter to you ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA.

Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation .

As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and delete the account listed in my dispute I noticed that ( reinserted account ) has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and formally request this item to be deleted again as this is a violation of my rights.

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 2019-06-27
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This relates to a credit card with Chase Bank. I was away from home in 2015 dealing with a family member in the hospital. I had cancelled a service Chase offered for a monthly fee by phone as instructed. Chase charged me again for the service I cancelled plus interest and late charges as I did not pay on time because I had not authorized additional charges so thought my balance was XXXX. The total amount was about {$170.00}. I had this credit card with them for about 15 years. I of course paid the small amount even though all of the charges were fraudulent. Chase reported the late payment to the credit bureaus. I made several phone calls and Chase refused to investigate or take any action even though the charges they reported were not authorized. They made it clear they did not care about my long relationship with them - the {$170.00} was all they cared about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2023-07-20
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:
Dear EQUIFAX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS ARE ( NOT ) MY ACCOUNTS NONE OF THESE ARE MY ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently received a copy of my EQUIFAX credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been trying to dispute a Public Record entry on my credit report with TransUnion since XXXX of XXXX. I have submitted multiple disputes but TransUnion does not provide consumers a way to upload documentation for all disputes. I also called TransUnion multiple times asking for guidance on how to upload documents and analysts told me they don't know the website and could not help me. After numerous tries I found that TransUnion only allows documentation upload for " Account '' disputes. From XXXX to current I'm submitted approximately 8 disputes regarding the same matter. I also called Transunion over a dozen times. Due to hold times TransUnion has a feature where a consumer can request a call back. Unfortunately the call back system is broken and will NEVER accept the number entered. Consumers are forced to sit and hold in order to speak with a TransUnion rep. 

Each time TransUnion rejecting my claim due to lack of information. 
On XX/XX/XXXX I opened an " Account '' dispute and included the Public Record. I uploaded documentation showing the entry in question was removed by both XXXX and XXXX. On XX/XX/XXXX XXXX portal did not show my dispute as pending. I opened the dispute again uploading the same documentation. Transunion extended my dispute due to " additional documentation '' ( files on XX/XX/XXXX ) which were actually the documents I provided on XX/XX/XXXX. TransUnion extended the resolution date to XX/XX/XXXX due to the updated files. At the end of XXXX I received a notice from TransUnion stating my dispute was being extended to XX/XX/XXXX. On XX/XX/XXXX I called to inquire status of my dispute and was told my dispute was closed and the documentation I provided ( Court Case Summary, Dispute and Resolution from both XXXX and XXXX  ) were inaccurate. I told that TransUnion would not use them as they couldn't validate the documents. I was also told the court " validated '' the public entry. I ask for documentation in writing from TransUnions stating the validating party details and was told TransUnion doesn't do that.

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 2023-06-03
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on 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 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Contemporary Information Corp
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:
XX/XX/XXXX XXXX Reports Consumer Relations XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, Case No : XXXX, for : Forcible Entry/Detainer Release . 
Under the name of : XXXX XXXX, XXXX. At : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I am disputing this incorrect information. My name is Not : XXXX XXXX XXXX XXXX and I have never lived at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your system immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity. 
Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023, I received a " Welcome to Chime '' email prompting me to set up the direct deposit feature and another email " You're one step away from XXXX XXXX '' prompting me to finish setting up the XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 I called Chime Customer Service to inform them I did not initiate an account opening. The Service Representative asked me for the last four digits of my SSN, which I was not willing to provide, given the fraudulent activities that had obviously resulted in the account opening. As a consequence of me failing to provide the SSN information, the Service Representative claimed he was unable to help me and instructed me to send an email to XXXX to report the fraud and initiate the account closing process. 

On XX/XX/2023 I sent an email with my name and email address notifying them that any account ( s ) opened in my name an linked to this email address was done so without my authority and it should be closed with immediate effect. I requested confirmation of the same. 

On XX/XX/2023 I received a " How'd we do? '' email from Chime requesting a rating of the customer support experience On XX/XX/2023, I received a " Your card is on the way '' email prompting me to confirm my address. 

On XX/XX/2023, I sent another email to XXXX requesting any account in my name at my address be closed with immediate effect as I did not authorize any such account On XX/XX/2023, I received another " OK, let 's set up direct deposit next '' email On XX/XX/2023, I sent emails to XXXX and XXXX advising them of the unauthorized account opening as well as the continuing emails requesting their help to confirm the account ( s ) have been closed. 

On XX/XX/2023, I received a " You've got mail '' email advising me that my Chime XXXX XXXX XXXX  should be in my mailbox soon and again prompting me to set up direct deposit and to download the Chime app. 

On XX/XX/2023, I sent another email to XXXX requesting confirmation that the account ( s ) be closed with immediate effect. I restated that the accounts were opened without my authorization and that I have sent several emails requesting confirmation that the accounts would be closed. I also stated that I would be lodging a complaint with the CFPB. 

As of XX/XX/2023, I haven't received any communication from Chime regarding the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
I noticed unauthorized inquiries on my report and/or noticed that someone applied for something in my name which are : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Have contacted the creditor for deletion.

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