BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 chime bank got a SSI payment in the amount of {$910.00} to my account prior to this I almost lost my life to a drunk driver I was XXXX XXXX XXXX in the hospital for over two weeks and then after that I was in the hospital for eight days before being released when I was released I found out that my wallet was missing in my phone with missing from the hospital I got a new phone a new phone number I contacted Chime bank and told them about my situation because I have no money in my account I ordered a new card put a temporary freeze on my card and disputed the transaction because I didnt have the {$910.00} in there I contacted XXXX they said I am under a XXXX fraud liability I told this to them I told him that I almost lost my life and that I need my credit right away if not I would be homeless in less than 10 days they contacted me and said they would have a resolution by XXXX XXXX which is way outside that mark I told them that I qualify for XXXX for liability and then I need my provisional credit right away I almost lost my life and they are not doing that and now me and my child are gon na be homeless they can issue visa said that they can issue my provisional credit right away because this is a top of an emergency situation XXXX XXXX XXXXAnd having a kid become homeless because they want to put an extra nail in the coffin and make me wait because I was a victim put in a report with identity theft.gov I did everything I was supposed to do but theyre not giving me my {$910.00} and when I disputed it they only did it for {$500.00} and not the whole XXXX I ordered new cards I need my money right away I told himI told him if you guys hold his money you guys will be held liable if I become homeless for damages that I suffer in between the XXXX XXXX said that Im under a XXXX fraud liability and that theres no investigation that needs to take place in order for me to get my provisional credit but now I only get paid once a month and they want me to wait for over a month for my pay I will get another Social Security check before they give me my provisional credit this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " XXXX  XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, Equifax nor the creditor, XXXX  XXXX XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, Equifax and the creditorXXXX XXXX XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Incomm Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I bought this card on XXXX XXXX worth XXXX XXXX  when I wanted to use it has XXXX balance, how? Because I never used this card, I complained to incomm and afterwards they sent me an email that they require the receipt and front and back of the card which I sent and they confirmed receipt on XX/XX/ and told me to wait 30 days,, 30 days has gone and nothing has been done, Im not filing a dispute Im logging a complain about a fraud of card with XXXX balance, I will be suing incomm after this, because this is the second time Im raising this case, I will also attach all proof to this case, A RECIEPT IS A PROOF OF PURCHASE ANYWHERE IN THE WORLD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 that I am never late for but they're reporting me as late.

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 2023-04-20
Company: Experian Information Solutions 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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2022-04-01
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 information incorrect

Complaint:
Im using a company named XXXX. To pay down my debt accounts. They reported to me. XXXX XXXX. Doesnt own the XXXX XXXX account. Which is being reported on my credit reports. XXXX sent XXXX XXXX a lump sum offer. To resolve the account. XXXX XXXX tried to receive and offer for 70 % of total. If they sold the account. As XXXX is stating. They can no longer receive funds for the XXXX XXXX account, they sold. No other company is being reported as owner of the XXXX XXXX account in question. I want to have this account Verified.

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 2023-10-02
Company: EQUIFAX, INC.
State: TN
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 filed a police report and a FTC report and submitted it to the credit reporting agencies according to the FCRA. These disputes were not filed correctly and copies of the verification process were not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are behind on our mortgage and applied with XXXX XXXX XXXX  on the very first day applications opened on XX/XX/XXXX. I called XXXX XXXX XXXX  on XX/XX/XXXX as the status on my application was " third party action needed '' they stated they were waiting for Select Portfolio Servicing to send the requested documents to them the documents were requested on XX/XX/XXXX and XX/XX/XXXX. I then called SPS ( Select Portfolio Servicing ) and the Ombudsman Department XXXX said she would forward it to the people handling said program. I called again on XX/XX/XXXX and XXXX in the Ombudsman Dept. said she was sending another follow-up escalation to said people. On XX/XX/XXXX I called SPS again and XXXX in the Ombudsman Dept said they were working on getting the paperwork done and I should call the XXXX XXXX XXXX program and request they resubmit the paperwork to SPS. I keep making calls back and forth from the XXXX XXXX XXXX  to SPS every XXXX weeks and keep getting the run around from SPS but always get told by Home Help that SPS has not sent the information they have requested. In XXXX SPS requested my husband and I resubmit homeowner assistance paperwork which we did just so that they could yet again deny us help. They keep giving us the runaround and not cooperating with the XXXX XXXX XXXX program, causing more fees to be added to our mortgage. The XXXX mortgage program would be able to pay all of our arrears on our mortgage and we would be able to pay our mortgage each month but Select Portfolio Servicing refuses to cooperate. We are terrified we will lose our home, causing us to have medical problems. It's not right what they are doing and they need to be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, Experian, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}

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 explanation
Consumer complaint received 2023-02-07
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 have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX the sender from XXXX  XXXX XXXX transferred {$2500.00} via Zelle to my bank via my cell phone number ( it was sent to the correct number ) was never received. I was never notified by Zelle of the deposit, it didn't happen, and the sender was never returned the money. I realized that this deposit did not happen in XX/XX/XXXX. I missed that it was never deposited, probably due to at the time that my brother has passed away. I started prepping for taxes this year and finally noticed that it was never received to my bank account and it was never returned and credited to the sender. 

I have contacted my credit union and the sender has contacted her bank and we have spoken to the Zelle reps at the banks. The sender initiated a claim that was denied, and my credit union is still working on it, with no help so far. 

Companies involved : Zelle, XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an working debit card that wasn't going to expire until XX/XX/XXXX. I was sent another card not sure why, I put it up because my card was fine. Went out of town on XX/XX/XXXX and my card was fine. I go to a Bank of America ATM and my card worked. I tried to withdraw more money and my card wouldn't work I call customer service and my card was cut off because I received a new card and the bank was changing from MasterCard to Visa. The customer service tried to activate my debit card and they couldn't get it to link. So I'm 300 miles away from home with no money. I couldn't check in my hotel because I had no card. So a family member paid for the room and I gave the money back. I get home activate the new card. I tried to use the card Wednesday and it wouldn't work. I called customer service 3 times to be told they couldn't link the new card to my account and would be sent another debit card. I advised the representative that I need my card before noon because I will be going out of town. I was told no problem. I tracked the new card this morning and it's not scheduled for delivery until XXXX tonight. I called number service this morning XX/XX/XXXX and was told there's nothing they can do. I was told that I can go get a temp card but you can't check into a hotel with a temp card. I asked they contact XXXX to change delivery time and they refused - stated they can't do that. So here I am with travel plans and no access to money. So I have booked a hotel and can't check in and I have no money. I have to take off work to go get a temp card.

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 2023-08-09
Company: EQUIFAX, 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Re XXXX I have uploaded copies of credit report from XXXX and XXXX showing proof that you didnt enter consumer dispute meets FCRA requirements the law is clear you must and shall do this or this information has to be deleted. See dates at top right hand corner of each reports for both accounts chase I have more credit reports that goes back to XXXX Please see XXXX  XXXX  and XXXX XXXXeports for physical proof and violations. I dont want to take legal actions but I will because you have violated the law and I will refused for you to hold my head underneath the water any longer Im sorry but true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I applied for the XXXX XXXX XXXX XXXX. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for XXXX 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with XXXX if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for XXXX and XXXX  something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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: Personal information incorrect

Complaint:
Incorrect names, addresses, and social security numbers on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion clearly violating FCRA laws. Transunion stated they verified the accounts but provided no proof. Deleted 2 accounts but ignored the rest. All the incorrect items need to be removed

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 2023-07-25
Company: Experian Information Solutions 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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

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 explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: VA
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:
The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation