BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
Im a victim of identity theft. I noticed several fraudulent accounts has been open in my name. Please check the attachments for all reported documents and paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot advertised a product on their website that they do not offer, which is a stand alone 90 % LTV home equity line. I applied, they ran my credit and when they called me said I had to refi my first mortgage with them to get the home equity line at 90 %. That wouldnt make any financial sense for me because my rate is 3.24 % and they were offering 4.5 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process

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 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
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:
I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
I am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per 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 2016-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transfinancial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: MI
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:
My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases

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 2023-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I discovered that I was still being charged monthly for an installment loan for an XXXX that I had traded it. The initial issue what that XXXX lost the package so the phone was never received. As such the loan installments were paused while waiting for the phone to be received and restarted in XXXX of XXXX. I did not discover this until XXXX of XXXX. I provided confirmation that I had mailed the phone and a refund was issued by XXXX to Citizens Bank in the amount of XXXX and citizens bank was to refund that money to me. 

I called on XX/XX/XXXX to citizens bank and they stated they had not received the refund from apple yet. I called again on XX/XX/XXXX and Citizens conference in a representative from XXXX  who confirm that the refund was indeed sent to citizens and provided them with a reference number to give to their accounts receivables team to locate it. Citizens rep told me she would open a request to get me the refund that was owed to me. I've called every week since then and there is no update on the request. There is no sense of urgency to return the money that is owed to me. It appears that Citizens may have lost the refund. XXXX provided them evidence that the refund was sent to citizens yet im still out of my money. Every time I call I'm told the person that can help me isn't in the office yet I don't know the name of this person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$550.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identify theft. I had an account with XXXX XXXX, fraudulent charges occurred on that account. I spoke with XXXX XXXX about the issue and they solved the issue and removed the negative account from my credit and forgave the debt from the fraudulent charge. 

Now, a group of unknown individuals stole my information and they are calling me and they are even trying to sue me for that same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: NC
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:
I called chime about an issue depositing a check. The employee told me someone would call right back to help with this. I answered phone and person identified themselves as a chime employee. This man had me download an app..took all of my money and sent it to an unknown person. I disputed this with chime to get my money back and I was denied. 
Scammers took XXXX all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: LA
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 disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chime opened an account under my name using my particulars but did not check my credit report or verify my identify. This meant anyone who had access to my data via a breach could open an account fraudulently. Chime, and its similar competitors, refuse to participate in the XXXX XXXX  or even run identities against credit reports. Had it done so, it would have noticed my credit reports were frozen to prevent new accounts from being opened in my name. 
The phone number and address used are not even associated with me. The only relevant detail was my email, which thankfully a confirmation was sent to me alerting me that an account was opened. 
Currently, there is no mechanism to prevent this fraud for being perpetrated again since all it takes is for a person to have access to one 's biodata. I asked Chime to place an alert on my name so that another account would not be opened in the same fashion but they could not provide me a guarantee since they do not have a fraud process in place. 
They also could not guarantee that no transactions were made and no other banks were associated to the fraud account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a federal XXXX loan borrower who should qualify for sXXXX  loan forgiveness as a XXXX XXXXl employee. I have worked in XXXX XXXX since XXXX. I have been told repeatedly by Mohela that I have enough qualifying payment months they just aren't showing up yet. I keep being asked to wait 90 days between calls to Mohela for my account to update. The account never updates and when I call I get told they are waiting for information to be reviewed and updated and to call back. Now I am against the wall that I am supposed to go into repayment on loans that should be discharged. I was told I would receive an administrative forbearance because it was not my fault that I am waiting for them to review and update, but today am being told that is not the case and they can not do that for me. I am set to go into repayment in less than a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MI
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:
My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent Equifax several letters asking them to unmerge my account with a person with the same name. My name is XXXX XXXX XXXX and when creditors attempt to pull my credit using XXXX XXXX and my SSN it pulls another person 's credit. I was recently declined by XXXX XXXX XXXX XXXX who pulls Equifax because they were unable to pull my credit report. I can not pull my credit report form XXXX XXXX, XXXX, or even on Equifax 's site MyEquifax.com ; they all show no accounts or information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: NV
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 there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money I recently tried to submit another claim and there still denying it. I haven't got my money back since XXXX its now XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit at a ATM on XX/XX/XXXX around XXXX to XXXX XXXX at the Capital One Branch located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX in ATM # XXXX and while the ATM was counting the money it ran into a error and shut down for about XXXX minutes, the ATM did not apply my money to my account. because the bank is not open until XXXX I called customer service and I opened a case, the person who opened the case entered the wrong address and also the wrong ATM id, causing a delay into my investigation and ultimately a denial of the claim, because of human error at customer service, now Capital One is giving me a difficult time with the re-investigation. I understand that the ATM might be third party owned, but why cant they review the cameras at the Branch in the mean time to try to speed up the process or have it expedited because the customer care person entered the wrong address and ATM #. now they want me to wait another 10 business days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I applied for a Lands ' end Visa Signature credit card. I received a letter dated XX/XX/2020, that stated that the applicant is deceased. I am very much alive and I do not know where XXXX XXXX XXXX obtained that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief