BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello CFPB to whom it may concern, Somebody stole my {$3400.00} starting from XXXX to today XX/XX/2023 out of my account when I was sleeping plus they stole and I have just notified my bank requesting chargeback from all those transactions somebody hacked my identity guys please help me get my funds CFPB. I barely use that account I checked my email and noticed and contacted the bank asap they had shut the card down and promised to me that I would receive a provisional credit but every time they deny it every time 5 days before the provisional credits its like Chime not trying to help me recover my stolen funds and keep telling me no error occurred and an error did so to me its starting to look like an inside job with their Chime organization, they stole all my money out my account I want my money returned asap guys please help! I already notified my bank to hold that transactions All together they have took {$3400.00} in total and Chime even told me to provide documentation including police reports and etc and I did and they said again today for the second time that no error occurred based on my dispute and I havent even been out the house or been to XXXX New Jersey, which the fraudulent transactions came from I reside in XXXX Michigan and not New Jersey the charges are back to back unauthorized transactions which is obviously fraud I never even been there and whoever hacked my account and stolen my money isnt cool based on hackers and I looked on the internet its a lot of people experiencing fraudulent unauthorized transactions within their chime bank accounts which is currently looking like an inside job within their institution I saw random people on XXXX talking about this and the same error messages that chime had sent to them. They also said that chime eventually paid them their money when they went over someone higher over them. I just want my stolen funds back to I can pay rent and eat again. This is very frustrating to me that this have happened. I am providing the email they they sent me in the parentheses ( This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 
Sincerely, Chime Disputes Team )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX ( XXXX XXXX  ) To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXX XXXX XXXX  ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MN
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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX  {$730.00} XXXX. XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX  {$460.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
Bank of America keeps reporting addresses that are not mine to the credit bureaus and i have informed them to stop and they have not

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 2024-01-03
Company: CITIBANK, N.A.
State: AL
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:
In XXXX I sent Citi Card a correspondence requesting opt out per 15 USC 6802 Citi Never responding and continues to violate my Federally Protected 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 trying to update my information personal and it has been a struggle. I am ready to get this issue resolved once and for all.

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 2023-03-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CitiBank has locked my account due to " fraud '' after I just asked for a new card because of past fraud they never caught. They now are saying after I verified my name, address, secret code, etc. that they CAN NOT send a verification number to the phone I have had on file for many years with CitiBank. They said the only way they can verify and unlock my card is by sending mail which will take over 7 business days to get here to verify my account.

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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed a charge for {$4900.00} on our business checking account that was in processing status that we did not authorize. I called Bank of America and they sent me a Unauthorized ACH Return Form to fill out and send in. I did send it in that day. I also went physically to the BOA location in XXXX to speak with someone directly because this is a large sum of money. They put me back on the phone with the same people I had already talked to. They once again asked me to fill out a Unauthorized ACH Return Form and send it in. Then they said I should have a temporary credit on my account for the {$4900.00} while they do their investigation. I called back on Saturday to check the status of everything, they again asked me to fill out a Unauthorized ACH Return Form and send it in. Told them I already did. Then they said it takes 24 hours to upload for them to see, well it had been 24 hours. Then they tell me it will be closer to a week before we get a temporary credit while they investigate. I then called our local sheriff 's office and filed a police report and sent that info in to them. Then I filed a IC3 Form with the FBI for internet crimes and sent that info to the bank as well. I called back on Monday, once again they asked me to fill out a Unauthorized ACH Return Form and send it in. This time they told me it could be 45 days before they give me any kind of credit because they have to do their investigation first. I asked how come every time I call I get a different time frame regarding the money being returned. They said there are different types of investigations and the reps just might just be confused on which one this is. I didn't call back on Tuesday. Wed XX/XX/XXXX still haven't heard anything from the bank. I called and again they asked me to send in a Unauthorized ACH Return Form and send it in. I told them I have done this twice already. Then they told me it could be 90 days before I could see a credit for the money because they have to do the investigation first. We just keep getting the run around and no consistent time frame on when we can see our money returned to us. We desperately need this money as it is used to not only run our small business but support our family. Our next step will be to contact an attorney. 
I brought it to their attention while it was still in processing. I asked them to stop the payment on it before it went thru and they wouldn't stop it. It's my account if I want a stop payment on something they should have done 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 monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. Also, the information you provided on this account is DELETED from other bureaus, why is it still here and not deleted? XXXX XXXX XXXX XXXX ( XXXX CITY OF XXXX ) XXXX Balance : {$130.00}.

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Last XXXX I sold a property and invested 40k in stocks, soon after in XXXX I believe I received a request from Robinhood to submit documents, ID, a bank statement and to answer some questions, which I did. I the lapse of 2 months they kept asking the same over and over, and I submitted what they asked over and over. At the beginning of XXXX I realized that my account had some restrictions, so I finally picked up the phone and talk to costumer Service the employe told me that they needed a statement for a specific account, which they didnt specify before. I submitted the statement while I was on the phone with the costumer service agent, which he acknowledged and told me that restrictions would be lifted in 2 or 3 business days. Weeks passed and nothing. I kept emailing them requesting information about it. Two weeks ago after talking to costumer service AGAIN, they told me that they couldnt talk to me on the phone about it and that I would receive and email. I did receive an email telling me that my account was being deactivated and the app said that they confirmed fraudulent activity. I told them that I didnt want to do more business with them and I wanted to transfer my assets and my cash. They dont let me do either of those so my money and assets have been kidnapped by them since then. Since nobody has been able to give me a straight answer about this Fraudulent Activity that they are talking about I contacted them again, and assuming that the unusual investment amount as the issue I went ahead and email them and submitted paper work where I showing step by step where the money came from, warning them that it was my last attempt to remediate this situation so they release my assets and money. The answered with the same email template saying that my account was deactivated and that they will let me know what when I could get key cash and assets. Im still waiting for resolution and loosing money since they have kidnapped my money and assets. They retuned me XXXX, but they still have XXXX and they dont give me a resolution. I contacted the XXXX XXXX XXXX and they directed me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-04-12
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX : {$27000.00}, XXXXe XXXXXXXX Balance : {$300.00}, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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 explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
it appears that the inquiries on my identity theft affidavit were not made with my consent and are not attached to any accounts that belong to me. Please remove in accordance with FCRA and FDCA laws.

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