BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TN XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, An fraudulent account was opened in my name on XX/XX/2023. The account opened was a XXXX XXXX account through XXXX Bank. The day the account was opened, I received a credit inquiry alert through my credit monitoring on XXXX. I immediately called XXXX and told them I never applied for anything and they opened a case for me. I also immediately locked my credit. After hanging up with XXXX, I called TD bank to report the issue. I was eventually transferred to their fraud department who assured me they noted my information and I had nothing to worry about because they did not approve any application on with my information as I was not a customer of their. Over a week after this incident, I received a notice from TD bank that " my recently opened '' XXXX financing account requested an address change. I called TD bank again and they were able to verify an account was actually opened. I asked TD bank to provide me the supposed new address to the address change request and they would not provide me the address. I requested this to open a police report but the bank denied providing me the information. The address is somewhere in New Jersey as the person who used my information to purchased some type of cell phones to be delivered in New Jersey. TD bank opened up a fraud case this time and provided me a case number and stated they would be mailing me an affidavit to fill out that I did not open this account. TD took over two weeks to mail me this letter. Once I received the letter, it stated I must respond within 14 days of the printed dated on the letter which was day 12 from the issue date. I emailed the letter to their department ( company stated that was an option ) on Sunday XX/XX/XXXX. I have not received any update from TD bank yet. Today my credit report posted the new account and maxed out balance. I am hoping to get this resolved as soon as possible but TD bank is not easy to deal with as they state they will get back to me eventually. I will be more that happy to provide account numbers and information if needed to look into the case and make sure resolution is made. The companies like TD bank allowed this fraud to go through, ignored my call the date the account was opened and lied that an account was not approved in my name, and have information of where the persons who stole my information and shipped fraudulently purchased merchandise and will not provide it to me to file a police report. I also received text messages to my cell phone regarding XXXX trade in program that I am required to send in the trade in a face charges. I called XXXX and all they did is route me to XXXX. I am still receiving text messages from XXXX about required phone returns. Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Account information incorrect

Complaint:
The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: PA
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 DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. KING CRE SRV account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done an attempt to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( KING CRE SRV XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Mercedes Benz Financial Services
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 XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCEDES BENZ FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( MERCEDES BENZ FINANCIA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: ME
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. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. Account name : # 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 2020-08-03
Company: Experian Information Solutions 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:
I would have to say that in my opinion congress should shut down XXXX as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their XX/XX/2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

XXXX takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

XXXX is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my Transunion, XXXX and XXXX for this account ( Dept of XXXX ). Because the account being reported by XXXX, Tansunion and XXXX are different, this means the account has not been properly verified. 

Tranunion Acct : XXXX XXXX and XXXX : XXXX Please delete this account 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 non-monetary relief
Consumer complaint received 2021-12-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan advisor provided false information over phone on recorded line and pressured us to sign incorrect documents. 

XXXX XXXX ( XXXX  XXXX ) of Rocket mortgage repeatedly stated terms of loan, particularly the total loan costs ( boxes XXXX  ) of {$2300.00}. What he failed to disclose ( despite being asked multiple times ) was that there was an additional charge of {$1500.00} points. We discussed this extensively by phone and he repeatedly did not disclose the points, despite being explicitly asked what the total loan costs were. 

He then provided incorrect loan documents and encouraged me to sign them saying they can be fixed later. Subsequently refused to honor the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I reside I. XXXX Virginia. I'm a XXXX XXXX XXXX senior citizen and I'm XXXX and have been since XXXX of XXXX. I receive my income from Social Security XXXX. I found some unusual charges from my checking account. So I invested my account and found out that some one was stealing XXXX 's of dollars from my checking account using my debit card that was saved on XXXX XXXX account. So I started my own investigation I to the unauthorized charges found on my bank statements and I found them recorded on my online banking account. I bank with Chime and have been with them since XXXX. I've never experienced this kind of fraud in all my years of banking. I reported all the unauthorized charges posted to my checking account immediately. I was informed that I needed to file a dispute immediately. So I filed a dispute with the bank. I also notified the merchant of all the u authorized charges posted to my XXXX XXXX Account that is recorded in my activity on my XXXX Account. XXXX did an investigation and they informed me that they only allow a customer to be refunded if unauthorized charges were made in my XXXX account. Their policy states that they only allow a customer to be refunded unauthorized charges made on your account. XXXX only refunded me XXXX for unauthorized charges in my account. Do I called my bank Chime and informed them that the merchant that was involved in the unauthorized charges refunded me XXXX XXXX that was what they were linked to refund. So I ask the customer service technician what was their policy of recovering charges made on my account that were unauthorized by me. I was informed that I have to file a dispute immediately do that they could conduct their investigation I to the unauthorized charges. I was then I formed that their investigation would take 7 to 10 days to be completed. I received their results by email. Their finding was that they found no suspicious activity in my checking account. I immediately called my back to inform them that I disagreed with their results and ask to file an appeal so that they would start another investigation I to the unauthorized charges made to my checking account. I received s email from Chime Bank 1week after I requested so appeal be performed. Again the results of the investigation was that they denied my appeal and that I was eligible to receive all documents used in their investigation I to my u authorized charges. They told me they had 10 business days to supply me with the documents. Well it's been 1 month since I was told to expect the copies of the documents 10 days. I've ran out of ideas to see how I could get reimbursed for the authorize charges. I ask my attorney what I should do about my bank that denied my appeal and was told to file a complaint. Well thank you for reading my messy and I hope to get a response from your company with good news. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  with whom I have a XXXX XXXX loan in XXXX provided me with a loan modifications in XXXX after I contact them requesting the cares act relief as I was diagnosed in XXXX XXXX in XXXX of XXXX. The modifications was written to stop the loan due dates in XXXX through XXXX and reset in XXXX of XXXX and defer to end of loan. Then payments partial until XXXX of XXXX them pay 6 months consecutive and then refi to a home equity loan. I was told the dates would be forgiven and not report late or partial for the XXXX through XXXX. I went to refi my loan in XX/XX/XXXX and was not able to get all the documents in on time and now in XX/XX/XXXX went to look into gov programs for special rates. I checked XXXX XXXX  and my credit had fallen under XXXX and was furious. My XXXX was reporting my loan as a standard revolving account loan and all of the dates from modifications were 30 60 and 90 days late. And my other accounts were closed due to low credit score. Credit utilization 444 % even though paid on time. I tried to get a loan with XXXX XXXX XXXX  to pay those off and was denied because of the debt income ratio and to refi loan with XXXX and dispute to have credit fixes. I wrote to XXXX  as well as dispute 3 credit reports and XXXX  replied reporting correctly and my loan modifications report correctly. I am currently refi with XXXX taking over 5 weeks and they refuse to fix credit report only mini refi paying all my debts not allowing me to keep my car loan or my prepaid credit cards. I have dispute with the XXXX their CEO and nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2022-10-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I still have not been able to get the funds in my PayPal account out of PayPal. It is not day 2 Ive had to report this. I have had assistant call to fix issue once again PayPal has done nothing.

Company response to consumer: Closed with explanation