BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NY
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:
My equifax account login shows the wrong information, it displays a completely different person with the same date of birth and similiar name. Equifax has since then srill showed a mix of the other persons credit report with mine. This has been an ongoing issue since XX/XX/XXXX, with two disputes to Include XXXX, and XXXX. I have attempted to resolve the issue first through contact with equifax customer support and further more by providing pertinent documentation to prove my identity. By around XX/XX/XXXX, core credit was registered and yet my equifax account information was further distorted when a customer service representative assured me that it would be resolved. It is now XX/XX/XXXX, I'm still waiting for my actual credit report to be mailed to me alongside the confirmation email that my situation is being escalated to the proper departments as the entire account has gone on to display the other person 's information except for my email, phone and login. Furthermore several days after my complaint, I have been barred from accessing the website through XXXX with a XXXX forbidden error which means that their server sees my request but denied authorization to login.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have or use an American Express bluebird card which is a prepaid credit/debit card to satisfy my banking needs. I previously had as of XXXX 2020 had my direct deposit from SSA and VA XXXX compensation which are {$1100.00} and {$140.00} monthly respectfully going into this account. Out of the blue on the evening of XXXX2020 I found out my account had been permanently suspended for a perceived miss use of my account ( later I found out it been suspended on XXXX2020 with no notice ). I still have no clue as to what happened. I only found this out from a email sent to me after I tried to access my account online. They have completely cut me off from my account and balance of approximately {$2600.00} and change. They have left me scrambling to change my direct deposits and pay my bills. I have tried and tried to reach there customer service with no success. I only have been given an address to P.O. box in Georgia to write my questions to. I have no idea what there plans are to do with my money. I have very little other resources, I don't believe they legally can freeze my money because of my sources of direct deposit. All this happening in the middle of a global pandemic. I'm really hoping my pending direct deposits will be able to be redirected in time. I just don't know what else to do. What a low blow!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
Despite two written requests, the unverified items listed below still remain on my credit report. 

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 2023-02-24
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:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I would like to open a complaint againt Zelle Pay, which is used by many financial institutions to pay with phone. 

In my situtaiion, on XX/XX/2021 I purchased an item on OfferUp and was asked by the seller to pay via Zelle. I made 2 payments that day after seeing what looked like a legitimate shipping label and later realized it was a scam/fraud. I am concerned that Zelle is not enforcing enhanced due diligence with the institutions it does Business with as scam/fraud artists are using this platform to harm innocent citizens like myself. I am worried and surprised that no one can do anything about it although there ought to be an audit trail of the sender and recipients accounts. Zelle should require that in the event that they are informed of a scam/fraud they should have processes to protect the end consumer. 

I have tried to call Zelle customer service and it was in vain and feel that it is really a bad way to operate a business as I could not get a hold of anyone. I also contacted by bank, XXXX XXXX XXXX and was informed nothing can be done about it. 

Again, it is upsetting to be informed that I can not get a refund none of these institutions are doing anything about this event. I am sure I am not the first and wont be the last if no actions taken to protect consumers like me. I would say I am a pretty savvy individual and I still got scammed and am worried about those who are naives and elderly population of our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: CT
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 am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. Thank you for your time and consideration. Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 live in a senior community and i qualify for HUD. I received a letter from HUD on XXXX XXXX, 2022 that their company was cyber attacked and ALL my personal info was taken from HUD. I had 4 accts affected by who every stold my money because of HUD. I am trying to get my {$500.00} from 53rd bank for a unauthorised transaction. I have always checked my bank acct everyday to make sure no one has gotten into my accts. When the {$500.00} was pending for 3 days 53rd Bank stated they could not stop the pending {$500.00} transaction. I want my {$500.00} back from 53rd Bank. 53rd requested the letter from HUD which i did send to 53rd bank e-mail. Why do i have to wait so long to get my money back. I am still waiting for a new 53rd bank card. Was told can take 10 days to receive my new card. I can not pay my bills without that card. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is complaint is because Golden1 Credit Union has violated several of my rights and they refuse to correct them and or acknowledge them all together. Under the Fair Debt Collector Practices Act ( FDCPA ) 15 U.S.C 1692 ( G ) Section 809 ( B ) I disputed a claim and requested a validation of debt For Account # XXXX in the amount of {$70000.00}. They have failed to do so properly even with ample time given. Golden1 Credit Union Had an obligation to respond and properly validate the alleged debt or they admit by silence and agree that I do not owe this debt. Golden1 Credit union has also violated my cease-and-desist letter by continuing to collect a debt in which I believe I do not owe and which they agree by not rebutting any statement I sent. Golden1 Credit Union is also reporting to credit reporting agencies that I owe this debt which is hindering me from getting a loan and getting approved for credit from lenders by claiming fraudulently that I owe such debt. Golden1 Credit Union and I entered into contract on or about the XXXX of XX/XX/2022 for a vehicle. Upon me learning of the fraud inside of the contract I sent them a letter of recission under 15 U.S.C 1635 ( a ) notifying them in accordance with the bureau. Also I informed Golden1 Credit Union that under 15 U.S.C 1605 Except as otherwise provided in this section, the amount of the Finance Charge in connection with any consumer transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person whom credit is extended. Ive pointed out to Golden1 Credit Union being the indentured trustee where that was violated in said contract and contacting me for any reason about a debt or attempting to collect a debt according to 15 U.S.C 1692 ( b ) ( 2 ) which states that you may not state that I a consumer owes any Debt. So not only is Golden1 Credit Union not validating a debt in question but they are violating my cease and desist order and reporting to credit reporting agencies about this debt and I have NEVER given them permission to do so. They have an obligation to produce

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 2020-09-15
Company: EQUIFAX, INC.
State: PA
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 initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per

FCRA 611. These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX  # XXXX, Account Name : XXXX  XXXX  # 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.

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 crime 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 2018-05-02
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A  fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX XX/XX/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