BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$5400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022

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 2023-06-22
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My prepaid gift card from XXXX is consistently declined even though it shows a remaining balance of {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD XXXX SENT, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and DEBIT CARD PURCHASE, XXXX, XXXX  XXXX XXXX XXXX XXXX * C 2022 I was scammed by XXXX XXXX who offered a credit repair service. First she was double paid because my XXXX said a XXXX didnt go through but instead it had a 24 hr hold. So I paid her through XXXX XXXX. Then when then I saw she was double paid I asked for one of the XXXX back and instead of sending {$450.00} back I was blocked on everything and she just took my bank I told my back they refused to give me my money back I thought thats why we banks with them they should issue both {$450.00} back or at least one because she didnt want to return the extra payment so didnt even provide the initial service. Can u please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2021 we contacted Chime.com concerning an account which was fraudulently opened in our name. While we attempted to contact them via the phone number on the card received, there was no way to resolve the issue over the phone since their whole system is automated messages. Ultimately we had to send an email to chime.com about the identity theft. 

Upon contacting Chime via email and explaining that we did NOT apply for a card/account and that it was identity fraud, the Chime representative insisted that we email a copy of our state ID/license along with the last 4 number of our social security number. Now mind you, email is NOT secure and we already informed them that it was a fraudulent account. Asking us to send such documentation via insecure email is not only terrible customer service, but a very high-risk method to send sensitive data. Given the fact someone had already opened an unauthorized account, we refused to provide the data they requested since they don't provide any secure means to do so. 

After several emails back and forth they finally stated they locked the credit card so that it could not be used. However right after that statement they said " If you have any additional questions or would like to formally close the account please respond to this email so we can assist you further ''. 

It seems impossible to get this company to acknowledge that the account was opened fraudulently. Currently the account is still there, but they locked the card. This makes no sense and it should not be this hard for a consumer to protect their credit. Chime has made it practically impossible to report credit card fraud where other banking intuitions have secure methods and are very prompt to assist when it comes to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Aargon Agency, Inc.
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: KS
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 non-monetary relief
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2018-10-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call last week about a medical debt of {$200.00}. I informed the rep that I had not received any statements or bills from GLA. When they confirmed my address it was missing the last number. I provided them with my correct address and advised that I would like to receive the statement by mail. I still have not received the statement. I also let them know that I lost my job in XX/XX/2023 and could not pay anything at this time. I also let them know that the bill is fraudulent because the hospital wheeled me outside and refused to provide me service. This was during the height of covid and they were placing patients outside and never came back to provide care. 

I received another call today. The rep was rude, mimicked me, and talked over me and would not confirm if they sent out a statement with the debt. I asked to speak to a supervisor who said her name is XXXX XXXX The supervisor, refused to send me a statement and told me that they had the correct address. When I tried to explain that I had corrected the address last week, and requested that she send me a statement, she refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband 's name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX  I received another phone call. I want these to stop but they wont stop calling me.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX  ( reported as Unsecured loan by XXXX XXXX XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by Experian ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : Experian reports the account as " Late 30 Days, '' while XXXX and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

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 2023-02-01
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I was alerted there were fraudulent withdrawals from my savings accounts dating back to XX/XX/XXXX. As soon as I discovered the fraudulent charges I reported them to Chase fraud department and went into a physical branch to move the money out of my account. 

All of the fraudulent withdrawals are from a XXXX account that I did not recognize. 

The following fraudulent charges are below : XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX VA WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$41.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$3.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$11.00} XX/XX/XXXX XXXX TRANSFER PPD ID : XXXX ACH credit {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXXXXXX XXXX  debit. $ XXXX After reporting this fraud I was told by XXXX that they have a 60 day policy on fraudulent charges that begins at the first point of fraud instead of the first point of report. Therefore I could only recover the transactions from XXXX in the amount of {$7.00}. This policy was only explained to me after my 4th or 5th interaction with Chase. There was no understanding that savings accounts are checked less frequently than checking accounts.

I also noted that Chase reversed the XXXX XX/XX/XXXX credit for {$11.00} even though this was well past the 60 days of initial fraud. I found this to be an unfair practice and policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}

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 2020-01-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX has been charging me for phone services, i once had XXXX in 2015 but i had my account on hold because i was XXXX, my identity was stolen when i left for XXXX now they are saying i owe XXXX. I just want this debt erased under the SERVICE MEMBERS CIVIL RELIEF ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XXXX. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX   XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX  Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

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 2023-05-17
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:
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 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 2023-05-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with non-monetary relief