BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXX XXXX notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX a victim of identity theft

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, 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 explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: AR
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: IN
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX different occasions I have submitted a dispute via mail to have XXXX accounts on my Transunion report removed due to inaccuracy. I requested to be notified with proof of verification on how the companies responded. After the XXXX dispute was completed I received the generic results from Transunion stating the accounts were verified with no proof. So I resubmitted them and received a letter stating they would not reinvestigate. These accounts were removed from both XXXX and XXXX due to inaccuracy but Transunion is denying me the proof I have requested as well as refusing to reinvestigate which is in violation of my consumer 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 non-monetary relief
Consumer complaint received 2022-04-03
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account, therefore ; it was applied under my name without knowledge. I called the company and verified that it was not my account because the birthday entered is incorrect. Also, this account was purchased by a third-party collection agency for pennies on a dollar in hopes of collecting. I have not given any company to transfer my personal information, nor have I given anyone permission to use my name to obtain these services.

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 2020-11-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and i haven't received any investigation results.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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: OK
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by JPMCB on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, my Chime XXXX XXXX card was fraudulently charged twice in the amount of {$210.00} at the merchant " XXXX* ''. I have never authorized this merchant to charge my account, and the charges are both fraudulent and unauthorized. Upon learning of the transactions that same day, I immediately contacted Chime to cancel my debit card and issue a new one, as well as file a dispute ; I was initially told that I had to wait to file a dispute until after the transactions were no longer in pending status, which I did. After the transactions posted, I immediately contacted Chime to file a formal fraud dispute against the transactions, and expected a credit in the amount of {$430.00}. The following day, Chime notified me that they finished investigating my dispute and denied credit, stating that the transactions were authorized by me, which they were NOT. XXXX covers cardholders from unauthorized and fraudulent transactions, but Chime is choosing to simply deny the claim without truly investigating or issuing a chargeback. I am in dire need of the {$430.00} refund, and I am unable to pay my rent due to Chime 's negligence and failure to investigate. I submitted a rebuttal to Chime and never received a response. It is truly concerning that my money is not safe at Chime and Chime should be investigated by the government as I am told this happens to thousands of Chime members across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ,  FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX , XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1700.00}, 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 2023-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted XXXX XXXX and XXXX, Equifax and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On the morning of XX/XX/2020, I logged into my XXXX XXXX checking account to check my balance and my online transaction history. There was a " pending '' charge that I didn't recognize : a debit of {$100.00}, listed under " MONEYGRAM US, XXXX, TX, US. '' This was suspicious for a number of reasons. First and foremost, I *never* use MONEYGRAM, and I certainly didn't authorize the transaction. Secondly, the posting time of the transfer was listed as XXXXXXXX XXXX.a time when I was in bed. And thirdly, there was an email in my in-box, sent at XXXX XXXX the same day, welcoming me as a new member to something called MoneyGram XXXXXXXX XXXX.  I assume MoneyGram had signed me up for some loyalty program without my consent and was charging me for the service. 

So I called MoneyGram. I was on hold for 60 minutes. I spoke to two different customer support specialists. Neither had any explanation for the charge, nor of the email. They told me that I had no account with MoneyGram at all. So they " escalated '' the complaint to a manager. The manager who I spoke to was incredibly rude. He said that, since I did not have a " reference number '' for the transactionwhich again, I never authorizedthat there was no way he could investigate what happened. He flat-out simply refused to help. I asked if he was saying the transaction was a scam, and he would not answer. He ultimately hung up on me. 

I called my bank, hoping to dispute the transaction. XXXX XXXX  told me that this was very worrisome, as the fraudulent charge was an ACH transfermeaning the scammer somehow had my routing and account number. XXXX also told me that MoneyGram should have been able to track down the transaction, using the routing and account numbers from the checking account. Clearly, the MoneyGram manager had a solution at his disposal and simply refused to help. 

Long story short, I had to place a " freeze '' on my checking account while I wait for this fraudulent pending charge to post. At this point, the bank says, I can officially contest the charge. My bank was shocked that MoneyGram could shed no light on this situation. 

I suspect MoneyGram is at fault here. As they are implicated in so many scams, it's shameful that they do not have a customer service protocol for helping victims. 

I need MoneyGram to refund this fraudulent transfer of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief