BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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 personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( XXXX ) have been denied by XXXX and XXXX on multiple occasions. A recent dispute I filed with XXXX XXXX XXXX to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions. I have attached extensive records to support this complaint. Included are the letter
s originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: NV
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 accounts listed are not mine, nor did I authorize these companies to run my credit. Please remove them immediately. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: National Credit Systems,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: Account information incorrect

Complaint:
My private information was sold to National Credit Systems by the XXXX XXXX and it should not have been. I don't have any history with National Credit Systems and did not agree to have my information sent to them. Furthermore a balance should not be owed with XXXX XXXX XXXX or National Credit Systems as I went to court on the filing. I provided the judge proof of an XXXX environment after the apts failed to provide my son and I with a upgraded unit leaving us to live in a bldg that XXXX XXXX then subsequently developed XXXX, XXXX, and XXXX XXXX. The apts failed to do anything about this. I had to even result in contacting the XXXX XXXX  XXXX. This information was provided to the court which the XXXX of the XXXX XXXX  failed to appear which led to the XXXX to dismissed the case ( including the charges ) against me. National Credit Systems have been reporting inaccurate information to the Credit Bureaus and they should have record of my complaints with The XXXX XXXX. The balance/acct is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
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:
USAA is reporting a debt on my credit file that is no longer owed. I recently had my credit pulled and was notified of this debt by my lender. He said I needed to settle that account but when I looked into, it was an account I paid off months ago! This account is causing my home buying process to be delayed. This account needs to be removed from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender failed to pay my homeowners insurance last year. They paid it for the current year. I had a conference call with the insurance division and my homeowners insurance company. The insurance carrier verified that the invoice was sent to the mortgage company multiple times without response. The insurance division of the mortgage carrier stated that it was never forwarded to their division from the mortgage division so basically its not their problem. The mortgage company is now charging me {$2300.00} for lender forced insurance for coverage for XX/XX/XXXX to XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion File Number : XXXX I demand the following account be verified or removed immediately : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: TMAGNUSONE Inc
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was looking into a XXXX  forgiveness program once it was time to start paying back my loans. XXXX XXXX XXXX  discussed 2 options and I went with what best suited myself. I made my monthly payments, sent emails, made phone calls, sent forms, and everything they asked. But its a scam. For the past year and a half, my payments have been pocketed and 0 % was put towards my loans. Then I find out they made an account in my name, created their own security questions, and making changes to my account. I am a victim of this fraudulent activity and Im unsure of what to do moving forward. Hopefully someone else who takes the time to thoroughly research XXXX XXXX can avoid the same fate.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CO
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 have submitted multiple certified leters and complaints with CFPB and there are still exiisting inquiries on my credit filed I did NOT request, PLEASE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Direct Deposit has not been issued. Chime is not giving any information other than they dont have access to see it or contact your employer, which I have. This now 2 days of not having my pay. I work for XXXX XXXX XXXX XXXX At this point with Chime this is fraud holding my funds Ive searched, this issue and there a lot of people in my situation and have not had it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX ) did not have permissible purpose to access my credit report. The undated attached credit application was not signed by me and was fraudulent. XXXX continues to ignore me and will list this complaint as duplicate. I request Transunion and XX/XX/XXXX to have XXXX send proof of permissible purpose or remove negative listing form my credit report. XX/XX/XXXX does not have proof of permissible purpose. Currently I have almost 4 years of damage.

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: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I successfully disputed over {$77000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-29
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:
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 : //www.ftc.gov 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 of 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 XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 XXXX 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 2022-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: MD
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:
My checking account # XXXX debit card was used online XXXX, XXXX and XXXX XXXX all online! I was told they saw it was FRAUD because my name and info didnt even match my card was NOT used in person etc and they would refund my account and when other transactions came off of pending they would refund and fix my account! I called today and asked why my account was not credit credited for other charges she told me their investigation showed my fault because the CHIP was used/ this is a blatant lie!!!!! My card went used it was all online transactions! They provided no proof and said XX/XX/23 they would take the money from me I asked for appeal immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: DE
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: IL
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 recently a victim of identity theft. I reached out to Experian on XX/XX/XXXX2020 and explained that I had some items that was opened in my name and I gave them the 5 accounts. 3 were from XXXX XXXX 1 was from XXXX, and the other one was XXXX XXXX. I have not opened an account with either one of these creditors nor do I know or haven't allowed anyone to open up these tradelines in my name. On XX/XX/XXXX20 I filed a police report as well as filed identity theft report on the FTC website. Along with these items someone also filed an XXXX Unemployment claim in my name when I've been employed for the past 4 years. So whoever got my identity have a great deal of information. 

Today I got an update regarding my disputes on report # XXXX investigation ID XXXX Stating that 3 out of the 2 items remained. I wasn't provided with anything proving that these accounts were mine. I'm applaud because I have never opened of these accounts and they need to be removed ASAP XXXX XXXX  XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Please see the attachments

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with transunion. this has been an issue that needs to be resolved to clear my file. ive listed all invalid data please delete an review all information that needs to be removed asap.

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 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I became victim to identity theft, my bank account is cleaned out. Starting on XX/XX/2020 I contually kept calling and massaging Santander Consumer to get hardship extension, they would not respond to my messages and online chat said they couldn't help me and I kept getting disconnected on the phone with them to. Finally on XX/XX/2020 I was abled to speak with a lady who transfered me to the right department. 
After explaining what happened and telling them the bank has up till XXXX to credit my money, Santander consumer usa refused to help me. Knowing I was scammed originally from the dealer, probably thing were involved. They said they can't help me, yet they advertise that if your going through hardship they will work with you. I told them it's not my fault someone stole everything from me. They didn't care, and said no. 
I have never been late nor missed a payment and they know I was scammed po sting {$100.00} more a month then I can afford because the dealer lied to me about the amount I would be paying. All I asked for was extension till XXXX. And they made appoint to tell me any thing late will be reported to credit report up to repossession. I'm was in every emotion, someone stole from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I completed before, about that I tried to contact XXXX XXXX at XXXX XXXX XXXX for closing deposit box, and Nobody answered, 2021. On XX/XX/2021, the Chase Executive Office reply me, they told me that I should go to any Chase branch to get an Notary, then sent to Chase XXXX XXXXXXXX XXXX, my deposit Box should be closed. I did so and sent the document to Chase XXXX XXXX  office by XXXX at the same day. After several days, I checked that the mail was delivered by Chase XXXX XXXX branch through XXXX website. From that time, I did not received any information from Chase XXXX XXXXXXXX office. I think the deposit box was closed. All documents was attached for your reference. 
But I received the mail asked me paid {$70.00} renew fee for the deposit box in XXXX and XXXX! I do not know why Chase ask me to pay renew fee after XXXX years. 
All documents was attached for your reference. 
Thank you! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: AL
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 found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

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