BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank stole {$6600.00} from my az unemployment. XXXX  XXXX provided me with tracing number for transaction and when i called chime with the number they wouldnt even take it or help me locate it. Started reading other reviews online and they are robbing everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern, I am sending this email to in regards to a complaint on Experian credit bureau. They have continued to ignore my requests for debt validations on my report and have failed to respond to my 2nd debt validation letter within 30 days, being in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). I have requested via certified mail that due do this violation, that Experian delete/remove all negative accounts from my report immediately to with they have failed to do so as of this date. Please see time line and corresponding letters and documents below. I have hand written a number at the top of each document for reference purposes. Thank you for you time and attention and most importantly your role of protecting consumers like me from these institutions that take advantage and have no regard for the lives that are affected by these accounts. Thank you so much! 

Please see the following : * I sent my second request for validation of debts to Experian on XXXX. ( labeled as # 1,2,3 ) * Its was received by Experian on XXXX ( labeled # 4 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 5 ) * From the time that they received my validation request on XXXX to XXXX when I wrote them back, a full 63 days has past with no letters or documentation from Experian verifying any of the debts listed on my account, putting them in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). 
* After 63 days had past I wrote Experian a letter by certified mail explaining to them that they have failed to send me a response in the appropriate time under the Fair Credit Reporting Act. ( labeled # 7 for the letter and # 8 for the certified mail receipt. 
* Experian receives and signs for the certified letter on XXXX. ( labeled # 9 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 10 ) * Experian sends the same generic response letter saying that accounts are valid with no proof or documents that I requested nor any names of the person/person that validated these so-called debts and that also brings the time that they failed to respond to my original letter received by them on XXXX requesting validation to a full 94 days all together. ( labeled 11,12,13,14and 15 Update : It is now XX/XX/2020 and Experian has yet to validate these items on my 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 2023-10-07
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: FISERV INC.
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My ex stole my mail containing my stimulus debit card, she used my social and information to setup an online bank account and then transfered all of the XXXX into her account and I provided proof to bank it was her, ( texts from her asking me to work with her and not to press charges for her stealing the money ) the bank refused to credit my account even after filing charges against my ex. I did not setup the account or transfer the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. 

I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following addresses in my credit report be removed : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX I demand to also remove this employer do to the fact I do not work for them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX PHONE : ( XXXX ) XXXX I also ask my employer is updated. I have enclosed the required copy of my drivers license with this address verifying that my legal residence is the XXXX listed here. 
Due to concerns for identity theft please delete all invalid addresses and employers. 

Thank you for correcting my consumer report. 

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 2020-12-17
Company: First Technology Federal Credit Union
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
First Tech Choice World MC ; on XX/XX/XXXX i noticed ( 4 ) fraudulent charges on my XXXX XXXX XXXX from XXXX XXXX of {$99.00} {$99.00} {$120.00} & {$100.00}. I contacted First Tech MC dept of the fraud. About 4 days later 2 pages showed up from XXXX XXXX a watch and a scrabble game. I contacted First Tech and they advised me to return to a XXXX XXXX store, I did and was credited the {$120.00} and {$100.00}. 
However the ( 2 ) {$99.00} charges remained on my account. I contacted them, 3 times on the phone and my husband went into the branch ( during Covid ) to get some clarity why these fraudulent charges still appeared? They advised waiting for the XXXX paper statement and the charges would be credited. 
I rep 'd the XXXX statement and the charges were credited however, today, on XX/XX/2020 the charges still appear ( with no credit ) on my PC app and my mobile First Tech app????? 
I spent 54 minutes on a call, the XXXX, with them today and the rep put in a ticket as to maybe a file wasn't uploaded, blah, blah, blah ... ..she assures me I did receive a credit even tho it doesn't appear on my pc or mobile app and I'm not being charged interest on it. Why? because she said so? She said the balances are the same ... they can't be if one has 2 charges of {$99.00} credited and the other doesn't ... .it 's called MATH.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TCF NATIONAL BANK
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:
I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries I did not authorize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open a capital one credit card using my personal identity information in XX/XX/2016 the credit limit amount were Total of {$3000.00} They also open many other bank cards and bank accountS under my name using my identity online. I became aware of everything until one day I got a fraud alert from my bank stated to verify my identity after someone made an attempt to use my bank card for {$750.00} I immediately call the bank and got my card cancel. I went into my bank the very next day to find out the imposters stole several XXXX of dollars making fake checks under my bank account. That day was like the most violated day in my life to known someone who is not you is pretend to be you while benefiting from it. Now this is not just XXXX case after I became aware of my bank I decided to look into my credit profile and this is where I find out a few cards that were open under my name and many inquiries on my credit profile. I begin to call those companies to discuss what had happen to me and begin to clear my name and believe me I am still fighting until this day I am still fighting to clear my name and get back my identity this report is for those company whos allowing these crooks to get away with stolen identity and refuse to help their victims. I am reporting capital one company the only company who till this day do not want to remove their fraudulent card off my credit profile despite being a member of their product to rebuilt my life and credit all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I refinanced my home, the closing was on XX/XX/2020. I refinanced the house with the same lender, just to reduce the interest rate. They offered me an FHA streamline program and I accepted. It happens that my old account is still open, they should not charge my old account, but they did it and I had to pay my monthly charge on XX/XX/2020. My new account is open as well and I owe a payment in both accounts on next XX/XX/XXXX. I checked my credit report and I have two mortgage accounts, and of course ; the amount owed has multiplied by 2. I contacted my loan processor, by phone and email. I sent several emails and I still don't have an answer. I called the company and the old mortgage is open because it hasn't been funded. This is a matter of concern for me. It's affecting my credit and I owe two mortgage accounts. I haven't receive my copy of documents of the new loan.

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 2018-03-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. 

RE : Consumer ID : 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 2023-03-18
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I sent affirm a dispute letter in regards to all of the loans I had open at the time. I had never been given proper notice of the loan contracts until I thoroughly read through the agreement/contract and saw significant errors and violations within those agreements. 

One particular section, the promise to pay, stood out the most. I explained to Affirm that the loans were already prepaid and them collecting on any payments further is fraudulent. The term finance charge defined by Congress in 15 USC 1605, clearly states that it is the sum of ALL charges. It also further states that within a consumer credit transaction, cash payments shouldn't be involved within a credit transaction. Yet, Affirm is collecting twice the amount of payments on every loan. 

I will attach the letter ( s ) I have sent to Affirm. They never replied back via mail but they did reply via email and all the customer representatives kept referring back to was the loan agreement. Their agreement does not supersede any federal law. Affirm willingly and knowingly chooses to violate and deceive consumers into thinking they owe something they really don't. 

I would like all of my money back from every single loan that I have ever paid for, I would like for all of the loans that Affirm decided to charge off be updated as paid in full, and for them to update any credit reporting agency they reflected these negative items on to be updated as well and removed from my report. Per the IRS, a charge is considered income and it is illegal to report that on a consumer report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Louisiana Recovery Services Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter at the time had two different forms of insurance. Her primary insurance at that time was through the military insurance and the other was through Louisiana XXXX. At the time of the emergency, XXXX XXXX XXXX the original debtor ) had both insurances on file. When I first received this bill, I contacted them about both insurances. I had two other bills with them at that time, that I felt that I was bullied into paying, which were in a smaller amount, however, I don't feel that these bills have been applied properly because all other bills were paid through both insurances. I have disputed this bill about three to four times and have gotten nowhere. I am not sure of dates or times, however, I believe that the year was in 2015. I have never before, had any problems with any medical bills up until this emergency occurred for my daughter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I called in on XX/XX/2020 and spoke to several customer service representatives that provided an unsatisfactory experience. I initially called in because I was notified of a conversation survey request from a dialogue on XX/XX/2020. I informed the first representative XXXX, that I did not make a call nor speak with anyone on the XXXX. She mentioned that there was a note on the account from the investigation team. She mentioned that I needed to upload my ID along with a selfie photo, calling the process the selfie verification. I had never heard of this, nor received a notification about this. She mentioned that this process was in the card holders service agreement, I asked where it was, and her responses were aloof. I asked for a supervisor, and she claimed that there werent any supervisors available. 

I called back and spoke with XXXX, I told her that my card was not working, and she mentioned that it was inactivated on XXXX XXXX, 2020. She mentioned that the offline department tried to reach me for verification. She proceeded to inform me about the selfie verification, I asked her if this process was in the card holder service agreement. Her response was that she did not know, and that it probably was. I informed her that I looked for such a process, and it was not there. Her immediate next move was transferring me to the fraud department. Then the call dropped and was never connected to the fraud department. 

I called back and spoke to a third representative, who I requested to make a formal complaint of the intentional vexation regarding my account. The representative, apologized, and asked if she could help. I asked for a copy of the complaint, she assured that she would take care of it. She proceeded to inform me about this Selfie verification process, that was needed by some backend department. I asked, why was it necessary, since I provided all requested documentation through the state. She mentioned that they have separate verification process, and my account was flagged because I changed my mailing address. Suddenly, the call was transferred to a survey line. 

I spoke with a supervisor XXXX XXXX XXXX, and she mentioned that my card was restricted, because it was flagged for fraud because I changed my mailing address. She mentioned that I can upload my ID to verifyusbank.com/ID. I typed in the address, and the page would not load, because it was an invalid IP address. She mentioned that I could fax over a copy of my Social Security Card with ID, so the restriction could be lifted. She hung up the call.

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