BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Chime Financial Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen after my XXXX  was broken into. I have police report. After a couple of weeks of that happening charges were made from all my bank accounts into a Chime account that i had never even opened or created. They were aetting up my work direct deposits stealinh money from any fjnacial institution i had, and yet when i found out i contacted them and they wouldnt even care about anything i had to say. So i got access to this account created in my name and funded thru my other banks and filed a dispute of identity theft and requested my money. They simply chose to close the account and never respond to my disputes. closed my account and completly denied my diapute and basically allowed over XXXX to be stolen from mw. This is nonsense and they steal people 's money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX BANK XXXX, XXXX CARD 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 2023-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 2023-10-30
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received a phone call by an alleged police officer and a scam XXXX request for payment of {$5000.00} for an alleged bail bond for an employee. After authorizing the transaction I immediately contacted Truist Bank and advised that I had been defrauded. They refused to take the dispute for a day and a half until after the transaction had posted. They then waited 5 days to initiate the process of contacting the receiving bank and refused to tell me which institution had received the funds.

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 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear CFPB, I am writing to file a complaint against AidVantage ( loans previously held by XXXX ) for illegally accruing interest on my student loan payments during the period that interest on student loan payments was frozen by the Biden administration. 

I have been a customer of Aidvantage since XX/XX/XXXX, when XXXX transferred them my debt. At that time, my balance was significantly less than {$27000.00}. The last balance I have written down from XXXX was {$27000.00}, and even that balance included illegal interest accrual from the 2 years prior, when my balance was closer to {$24000.00}. I have not opened any new student loans since XXXX, and I have been in deferment since that time. I am aware that interest on student loan payments was frozen from XX/XX/XXXX to XX/XX/XXXX. 

However, when I checked my loan balance on XX/XX/XXXX, I was shocked to see that it had increased to over {$30000.00}. I contacted Aidvantage to inquire about the discrepancy, and they have not yet provided an adequate explanation or solution. 

I believe that this is a clear violation of the law. The Biden administration specifically stated that interest on student loan payments would be frozen during the COVID-19 pandemic to provide financial relief to borrowers. Either Aidvantage or XXXX ( who sold my debt to Aidvantage ) has violated this order by illegally accruing interest on my loans. 

I am requesting that the CFPB investigate this matter and take appropriate action against Aidvantage. I am also requesting that Aidvantage immediately correct my loan balance to that which was reported by XXXX on XX/XX/XXXX and refund me any interest that was illegally accrued during the period that interest was frozen. 

Thank you for your time and attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}

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 2018-08-10
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have half a dozen accounts with our local XXXX XXXX branch. 

We recently received a notice regarding our 10 year-old son 's account ( XXXX XXXX ),  saying that the account was closed. His balance of almost {$800.00} was shown as {$0.00} on the statement saying the account was closed. 

After some investigation we learned that the State of Michigan had absconded with the savings account of our son. When we asked the bank about it, they said that the account was taken by the State of Michigan as " escheated '' funds. 

I now know that this applies to dormant accounts ; however, we were never notified that the account was in jeopardy by our bank. Worse yet, we are in that bank at least monthly to manage something on one of active accounts. We are not hard to find, and we are most certainly active with the bank.

My name is on the account because my son is a minor, and I have other active accounts with the bank. Still, the system and/or XXXX XXXX allowed the state of Michigan to take my son 's money. XXXX XXXX told us that they sometimes inform their customers that this is pending, but that our account didn't meet the threshold to make the list to be notified?!? When we asked why we didn't make the list to be notified, we got no response. 

No effort was made to contact us - the money just disappeared. I'm now told that it will take a minimum of ( 120 ) days to get the money back.

This situation is so far beyond absurd, that I need help ... 

Sincerely, XXXX XXXX XXXX, Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CA
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:
XXXX is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, XXXX  has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if XXXX does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT

Company response to consumer: In progress
Consumer complaint received 2022-05-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because SYNCHRONY BANK does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They only forwarded a portion of the documentation requested and required by the XXXX. It shows nothing but my name, address, and transaction history with dollar amounts. But I do not see my signature here or any of the other items requested from this bank

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 2018-05-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a complaint about TD bank 's online service. I added my bank accout on line and scheduled automatic payments on XX/XX/XXXX. TD Bank states that my bank account was added for payments but payments were not scheduled. I know for a fact that i not only added my account but set up recurring payments. I have a printout that states as much. But TD bank states that it is not their problem. 

I contacted TD Bank on XXXX and told them about their website error. I then asked to speak to a manager and they said someone would call me within XXXX hrs. NO one ever called me back. I spoke to a rep on XX/XX/XXXX and they stated once again that a manager would call me. Once again no one called. i once again contacted TD bank on XX/XX/XXXX and was told a manager misunderstood my request and that I would have to wait another XXXX Hrs. At that point my payment would be late again, I had to make a payment. 

On the night of XX/XX/XXXX I finally received a call back from a manager. The manager immediately lied and said that another supervisor called me back on XXXX. After I explained that all 3 reps i had previously spoken to had verified that I had NOT receieved a call back. furthermore while on hold, i pulled up phone records and i verified that no call was ever recieved or message left. After pressing the supervisor on why she lied, she admitted that she was making assumptions and did not really know. The Supervisor also admitted that there was a server error on the day i set up my automatic payment but that it was in another department. 

This company repeatedly lied to me and only had a supervisor call me back after payment was received. Their website is horrible and has a lot of errors. If an error is experienced you might not know and it is the customers fault not the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account : XXXXXXXX XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2023-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have XXXX XXXX XXXX, immediately I contacted XXXX XXXX XXXX  to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real. 

XXXX XXXX XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.

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