BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 my XXXX account was logged into by an unknown individual and they've ordered two gift cards from this place called " XXXX 's XXXX XXXX. '' The location of this person is in XXXX, XXXX, XXXX according to the bank statement transaction. I reported it the same day to my bank and contacted XXXX. XXXX lied to me multiple times by different people telling me how they handled the situation. The very first time, I called XXXX. They told me that they canceled both cards and reported them to the fraud department. I hung up that day feeling relieved that everything was sorted out. I noticed I didn't get any emails about refunds and contacted them again about it and told me that they were going to process my money refund then and then they wrote me two fake emails like everything was official and solved. Later, I contacted them again and multiple people from XXXX just kept playing around with me like they were gon na help me and kept transferring me to different people who didn't help and only lied too. After that, I gave up with XXXX and called my bank. They told me how they received both my disputes and were gon na raise an investigation on them. Later, I was denied any funds from the fraudulent transactions. I opened a rebuttal to the denial with all the proof ( my location, I gave them my ssid over phone, suspicious websites I went to, etc ) I could and was denied again. I googled the XXXX XXXX XXXX because I didnt orginally know what that was and I found out that I'm not the first person who was charged fraduently by this location on this websibe called XXXX XXXX XXXX Here 's the link XXXX XXXX XXXX XXXX and also that same day I got that strange charge, my email was flooded with scam emails ever since. I today saw that they changed my transaction name to just XXXX and not the XXXX XXXX XXXX. got a new bank card, password, and reset my XXXX account and now I will switch everything over to a new email I've created. There were only two situations in which I may think I have got my details stolen : 1 ) I went to this website called XXXX : XXXX. I had last put my banking information there to purchase something for myself. 2 ) The other was me with someone with XXXX. I gave them my XXXX email address to send me money and we had a " trust '' situation going where I had sold them a game account without any security. The account was sold for exactly XXXXXXXX XXXX the very next day, I've lost that exact amount. The seller didn't have my banking details directly but the game account details was the same email I used for Chime and the same password I use for Chime. " XXXX '' and my old password was " XXXX. '' I don't know what to do so I did research and found this place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: MD
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 was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - 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 2023-05-20
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX {$1400.00} and XXXX XXXX  XXXX {$1400.00} and 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 2021-08-31
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} 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 2019-05-31
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I signed up for this financial product, I did understand of these types of products have high interest rates. However, I was just emailed about an interest rate and transaction fee reduction. When looking at the new rate, I never really realized, or must have missed before, how exactly how high this interest rate is. 238 % APR and a transaction fee of {$5.00} per {$100.00} borrowed. If this is the reduced rate, I cant even imagine with the higher rates were.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Account information incorrect

Complaint:
It is Information on my credit report is incorrect, these are the accounts. 
Account name=XXXX XXXX Bank Account number XXXX. 
Account name=XXXX XXXX Account number XXXX Account name=XXXX Account number XXXX Account name=XXXXAccount number XXXX. 

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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:
I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXXXXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following company FNB OHAMA was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX anew account shows up as opened in XXXX. 
The following account does not belong to me and is a result of fraud that I did not authorize : Fnb Omaha - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

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 2023-10-23
Company: Experian Information Solutions Inc.
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is about Ally Bank On XX/XX/2023, i logged into my account to do a XXXX transaction, this was my first time using XXXX  with Ally. The Ally app notified me that something went wrong and that i should call in to verify some information before i can proceed with XXXX. I called in at XXXX XXXX and talked to an associate that said that i would not be able to use XXXX  because they can not verify my number. 
After about an hour or so, i tried to log into the app again and this time there was different notification. It stated that i was locked out of my account because of 'fraud '. I called in again and they mentioned that, the bank is locking my account even though i had provided all the information needed to verify my identification. The customer rep for Ally bank said that the account will be frozen for 30 DAYS as they carry out the investigation. 
I am in need of the funds in the account since im currently traveling and that is my only source of income.

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 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX CA XXXX I am writing this letter to notify CFPB of multiple violations of FDCPA guidelines during CITIbank Attempt to collect on my Home Depot Credit card and to request compensation for these multiple violations. 

I received 2 calls from citi on XX/XX/2023 2 calls on XX/XX/2023 2 calls XX/XX/2023 And 2 calls on XX/XX/2023 8 received 8 calls from citi within a 4 day time period. This is a violation of FDCPA frequency of calls. Which does not allow more than 7 attempts during a 7 day time period On XX/XX/2023 I received a call from Citibank collections at XXXX XXXX. At that time I was at work and declined the call. Citibank immediately called me back within the same minute at XXXX causing my phone to ring back to back while I was at work. This caused me distress and worry that I could be written up. 
This is a direct violation of FDCPA 806. Harassment or abuse 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
On XX/XX/XXXX I called Citibank back to discuss my account. I explained my current hardship and notified CITIbank that I was unable to give an expected date of payment. At that time I also notified Citibank of the previously listed violations and requested the follow FDCPA guidelines. 

XX/XX/XXXX XXXX XXXX  XXXX minute XXXX second call ( 6 days later ) I received another call from Citibank regarding my Home Depot credit card. 

This call was also a violation of fdcpa guidelines listed below and above by calling me before the 7 day time frame had passed. 
XX/XX/XXXX XXXX XXXX  XXXX min XXXX second call I received another call from citi regarding my Home Depot credit card. This call again was in violation of FDCPA guidelines as I had just spoken with citi 5 days before. I spoke with XXXX XXXX and XXXX  XXXX. During this call I reported to XXXX and XXXX the multiple fdcpa guideline violations. I let them know I had no issue with Citibank calling be as long as the followed fdcpa guidelines while doing so. 

XX/XX/XXXX. XXXX minute XXXX second call I received another call from Citibank in violation of FDCPA guidelines as I had just spoken with citi 3 days before and detailed the fact that I was unable to make payment at that time. 

XX/XX/XXXX I received a call from citi bank XXXX XXXX  XX/XX/XXXX I received a call from Citibank at XXXX XXXX  these back to back calls were declined Citi had denied these violations even though I provided them with phone records to prove it.

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 2023-05-20
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal  law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX am a victim of identity theft please remove the fraudulent inquires from 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

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