BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXXXXXX 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 2022-11-28
Company: EQUIFAX, INC.
State: PR
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:
They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/23 i contacted Chime because someone had tried to get into my account an take {$20.00} out of my account i contacted chime an they told me not to worry about it then on XX/XX/23 i received my first direct deposit of {$1500.00} an i received a alert that someone was literally trying to steal my money out of my account an could not accuse my account called chime an chime did nothing i was on the phone with chime as someone was in my accost taking my money i also have the document 's an photos showing that it was not me but chime accused me of stealing my own money i have several log in attempts an also other documentation as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX, XXXX, equifax To whom it may concern XXXX XXXX XXXX XXXX XXXXXXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX furniture # 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 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XX/XX/1991 XXXX Experian, XXXX, XXXX To whom it may concern XXXX XXXX XXXX XXXX XXXXXXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you 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 2022-10-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We initiated a wire transfer from XXXX at Goldman Sachs online savings account. They wired the money to an entirely different bank with a different routing number, despite admitting, we gave them all the correct information. However, it took XXXX days for them to find the money and recall the funds. In the meantime, we had been hung up on by many customer service agents and nobody would tell us where our {$330000.00} went. We needed that money to close on a new home we purchased and as a result of being late on closing we ended up owing the sellers {$600.00} in rent back fees. Goldman Sachs refuses to give us more than {$100.00} in XXXX credit. And they wont tell us how this banking error happened in the first place. It was incredibly stressful for myself and my husband, as well as the sellers of the home we purchased and all of our real estate agents in title company personal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-04-07
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing this letter to ask for help in a claim I have with Chase Bank, since they have denied it twice. 
It turns out that someone made several transactions totaling {$3900.00} with a debit card in the state of Georgia, on XX/XX/XXXX and XXXX. 
Chase XXXX department tells me that I myself went to the branch located at XXXX XXXX, and XXXX XXXX. In XXXX XXXX, on XX/XX/XXXX to order a new debit card and have it shipped to an address in Georgia. Which is not true since I have only lived in XXXX XXXX CA. 
In fact, I went to that same branch on XX/XX/XXXX to deposit a check, but when I inserted my debit card, my pin that I always used was not accepted. XXXX, who helped me, asked for help and I was told that my debit card had been canceled and a new one had been sent. But I asked why?, if I hadn't done any of that. Then they said that they were going to cancel that card that was sent and that they were going to send me another one. In fact, I received a card that I couldn't use after activating it, because it declined. 
On XX/XX/XXXX, working in XXXX XXXX CA. I went to a chase branch to get help with that card. And they helped me change the account profile because they said my account was compromised, but they couldn't send me a new card yet. 
XX/XX/XXXX is when I became aware of Georgia 's transactions and called Chase. And they made me change the account profile once again. 
The person who made these transactions in the state of Georgia was able to request the card, and was even able to transfer money from my savings account to my checking account. 
the chase 's fraud department denied me the claim because the they found the transactions were genuine. 
I think Chase is responsible for taking care of people 's money. I don't know what else to do, to get Chase to resolve this issue for me. 
I hope you can help me. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A few weeks ago my card number was entered incorrectly on the bed, Bath, and beyond website, and Capital One decided to restrict my account. I called Capital One and asked why my account was restricted and told them that my girlfriend accidentally entered the card number wrong when placing an order and all of a sudden my account was restricted. Capital One said it was a fraud investigation and I would have to wait 7 to 10 days to speak with a specialist. The Specialist contacted me and told me I had to submit pictures of my drivers license, Social Security card, and proof of residence to prove who I was. Once I submitted all those documents, the specialist called me back, and then said they wanted to speak to my bank. After I got upset that they were trying to make me jump through more hoops after I already provided the information, they unrestricted my account. Now were two weeks later, and my account is restricted again, and I have to go through the same hoops, and prove who I am all over again once I wait 7 to 10 days to hear from another specialist with no reasoning of why my account is restricted again other than security concerns about identity. Ive been with Capital One for over 10 years and have never experienced anything like this before. The only difference now is I have a lot of miles ( rewards ) saved up, and now my account is always being restricted without clear explanations of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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 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 an 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. 

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 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 2019-03-18
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Westlake Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 : # 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. 

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/ ; XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation