BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, me and my husband placed a credit report freeze online, on my credit files with XXXX & XXXX XXXX. No problem. Equifax did not do it, and asked me to call XXXX. On XX/XX/XXXX, we tried again online. Again their website told me to call. We called and spoke to their call center, sounded like an XXXX girl. She refused and said I had to send in a copy of my social security card and drivers license, to verify my identity. I explained that I was not comfortable with that, and the other credit agencies had no problem. That there was enough information in my credit report to substantiate, who I was. She insisted, and refused. We finally asked for a Supervisor. Took about 7 minutes to get a, Supervisor, an XXXX  girl this time. Refuse, refuse, we did not get anywhere. We even went as far as to give her information on my credit reports from XXXX  & XXXX XXXX, and get this she said she could not see my report. By the way, we also could not get their FREE credit report, without sending documents. So how could she know, I was not who I said I was? Didnt make sense. I asked to file a complaint, and now the system was down, and then she was told, in order to file a complaint, I had to send them the documents they requested. They had us going around in circles. I understand keeping records private, but I was not asking for records, or information. I was asking for a freeze on my credit, because Ive personally seen what identity theft has done to others. Equifax was breached, and they did not tell people, they tried to hide it, and now, they WONT help  you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had send a disputed letter on XXXX XXXX the item XXXX XXXX was remove I noticed today XX/XX/2022 TransUnion placed XXXX back 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 non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
American Express Bluebird and Serve customers have not received their direct deposits since XX/XX/2018. I was supposed to receive mine on XX/XX/18. I have called every day and multiple times daily with no reasons why or resolution times. Now, when I call it is a busy signal and have had zero communication. I was first told it was a system upgrade and then I was told it was a system outage, and then I was just told they are aware of the issue. I can't have my payroll company redirect my paycheck as American Express has already cleared it as of XX/XX/18. Today is the 5th day that I have gone without my paycheck being deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.

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 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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 usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX  got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare. 
One of them being my Apple Card. 
I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending. 
I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further. 
I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Received XXXX emails from AmeriSave Mortgage Corporation thanking me for financing a home loan with them. I do not have a home loan with AmeriSave or any other institution. I am concerned that this may be a fraudulent attack on my credit rating or an attempt at identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: KY
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:
Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NJ
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:
I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2021-10-28
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:
These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: AR
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 asked Experian to file a dispute on errors on my credit report. I got the results back and it showed several things deleted on my report but still showed on my credit report. I called and asked for an explanation of there findings. Spoke to a lady and she said that they did no investigation into my claims it was verified electronically and if that was what they said then it was accurate. They did not get any information to see if this was an accurate statement no documentation to verify the accuracy of the accounts no proof of anything. I was told it was the creditors job to investigate not theirs. How is that an investigation? And why do they call it one if they dont investigate.

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 2023-08-08
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I uploaded {$25.00} to my XXXX XXXX Chime Card. This was a cash deposit/upload performed via XXXX. Later that night I initiated a {$25.00} payment to XXXX XXXX XXXX. On XX/XX/2023, there was a statement on the top of my online Chime Checking Account that stated that XXXX 's transaction had been removed. However, XXXXXXXX XXXX Chime failed to return the funds back into the checking account. XXXXXXXX XXXX Chime XXXX functions as a XXXX XXXX XXXX just like the XXXX XXXX XXXX at XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX etc. On the other hand, XXXXXXXX XXXX Chime Card fails to deliver a itemized monthly statement - as all United States Banks are govern to do - showing the subtraction/balance/deposit/balance as is rightfully awarded from banks such XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX This practice of XXXXXXXX XXXX Chime violates the Amendment IV to the Bill of Rights of the US Constitution because they fail to give their customers the right to feel secure in their papers as is provided by other US Banks. This practice of XXXX XXXX Chime violates the American Citizen 's Right to the Amendment I to the US Bill of Right, because their telephone practice prohibited and abridged my freedom of speech. The robot of which XXXX had answering the phone failed to connect me to customer service - I had to choose identity theft in order to speak to a human being. XXXXXXXX XXXX Chime violated my rights and all citizen 's rights to the Amendment IX of the US Bill of Rights because they deny us this right that is given to us from banks of the United States to have a fully itemized monthly statement of which is a right retained by other US banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: NV
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 can't dispute on my XXXX  will not let me start an dispute XXXX  will only let me dispute one item equifax i can never get into my online account I paying money to all 3 companys

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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