BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Netspend Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a prepaid card from Brinks at my address with my info in the mail today. I have recently been a victim of identity theft in another state claiming unemployment under my social security number so to receive a card that I never applied for needs reported.

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 2022-08-29
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi There. 
On XX/XX/XXXX Tuesday night I had just received my direct deposit from my job of {$3900.00}. I had only made one purchase via XXXX for XXXX at approximately XXXX XXXX, and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00}, and a {$5000.00} transfer had been made to recipient XXXX. This left my balance at XXXX. My savings account had been cleaned out with a XXXX balance, and my checking account had a balance of {$950.00}. While I was on the phone with chime customer service another charge was attempted to be made in XXXX XXXX in XXXX XXXX  in the amount of {$200.00}. This charge was texted to me for verification and was declined. Another charge was placed in the amount of {$150.00} for a website called XXXX, which I believe is a XXXX XXXX transaction. This transaction was also made on the account while I was on the phone with Chime customer care for over an hour and half, and they neglected to turn off my card when I initially called. This charge would have not been able to go through if the agent was proactive and turned the card off like I requested in the beginning of the call. I also received a notification that my phone number had been changed on my account to ( XXXX ) XXXX which is a XXXX voice number that has never been associated with me. I also received an email stating that my account had been accessed on a new device approximately around XXXX XXXX from a XXXX device in XXXX XXXX. My account was also accessed more than three times from a device in XXXX XXXX, yet again I'm confused why this was not flagged. My pin was also changed in my account, which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX, 2. ) XXXX 3. ) {$150.00}. with chime and the charge of the amount of {$2300.00} was reversed by the merchant but the other charges were determined to be of no error. The dispute ID 's numbers are as follows- XXXX and XXXX. I am beyond frustrated that Chime was able to make a quick determination and will not share how they came to this conclusion, when I have been a victim of crime due to their systematic negligence. I have also realized that a credit builder account was signed up for, which I did not want nor do I need. 

- Please note I have made formal complaints to the Internet Crime Center, and the XXXX XXXX XXXX Please find additional documents attached to this email that will support the following above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( XXXX, XXXX, and Equifax ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whomever it may concern, I have XXXX American Express cards, both of which have been affected by problematic junk fee charges based on situations related to banking administrative errors, rather than lack of funds for payments. Complaint ID : XXXX was filed for a similar situation with my other AMEX card XXXX The excessive junk fees charged to my AMEX cards for an account that is : ( XXXX ) in good standing and never missed a payment/had late payment. ( XXXX ) only had payments returned because of negligence on the part of XXXX XXXX. I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX XXXX  said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to XXXX of my XXXX XXXX accounts. XXXX XXXX  then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge XXXX FEES for a single payment, amounting to XXXX {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. I am currently in XXXX, but before I left the country, I called AMEX on XXXX separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : USDOE/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 2023-04-20
Company: Experian Information Solutions 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:
This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX/Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTING INSTRUCTION.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: CA
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 pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XX/XX/XXXXXXXX 3.XX/XX/2019 XXXX XX/XX/XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2XX/XX/2019 XXXX XXXX XXXX Experian 1.XX/XX/2019 XXXX XX/XX/XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3.  XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 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 2022-04-04
Company: Swe Homes LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased this home back in 2017 with a private lender because my financial situation was not the best and could not get a traditional loan. I paid XXXX down and started making payments. I got insurance on the home and continue to make the payments. The home has not been in the best condition since my family and I moved in it but we could not afford to do anything about it. The plumbing does not work properly and the home is not insulated making for very brutal winters and there is no XXXX  system. Giving that I worked on my credit so I can try to get better living situations for my family I tried to sell the home but my name is not mentioned any where on the tax title. I can not refinance and take cash out to fix the major repairs which the plumbing will cost XXXX dollars which XXXX has already been paid to diagnose the problem of waste backing up into the home. An HVAC system will cost XXXX dollars my entergy bill in insane because of the poor insulation and we have to use propane heaters during the long cold winter to heat only XXXX rooms in the home. These people have not tried to work with me to help me come up with any solutions. They do not care about the people they are lending to and they prey on people who are in need of help and they take advantage of them while they are down. XXXX XXXX is the company and SWE home is who they list their properties with. No one will talk to me to see what they can do to help me and how I can get some help. Refinancing would mean I can work with another lender but they are keeping me from doing that or selling. I should not be responsible for repairs if the house isnt even in my name that is unheard of and criminal if they want to keep the home tied up with their name attached to it then they should make the repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I received a l letter stating I had new electric services. I immediately called and canceled and advised that I did not open an account. I had been with XXXX XXXX  with no problem and would not and had no reason to switch. I have contacted XXXX for years. They stated I owe {$1100.00}. Finally after four years they sent me a letter showing what I was charged. They stated I had electric for XXXX days in XX/XX/2019, I advise multiple times I did not switch My company is XXXX XXXX. I have lived in this house for over XXXX  years my electric bill is normally between {$120.00} to {$230.00}. The higher amount in the summer months. The amount they said for XXXX days is outrageous. Anyone can see that is XXXX. Second on XXXX I was arrested because my XXXX yr was hitting me I held her down until police came. I was taken to XXXX  and because I did not have bond sat in XXXX until the beginning of XX/XX/2019 which means I wasn't even out to change my electric company. I have contacted them for years and disputed with them only saying I owe and no proof until this month when I threated with a lawyer and they is when they sent information stating I had there electric company from XX/XX/2019 until XX/XX/2019 which is impossible I was in XXXX one and two no way would I ever have a {$1200.00} electric bill for XXXX days my home barely would hit that number in XXXX  months let alone XXXX days. They are a fraudulent company I believe to be ripping people off and scamming them.

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