BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXl - 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 SXXXX 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 of XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX  XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX FXXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX - ID - XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Chime bank after I deposited my cashier 's check {$3500.00} refused it and since I signed it for chime mobile deposit only I could not cash it makes chime responsible for my funds and should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Synovus Bank
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 1st progress/XXXX account # XXXX {$180.00} disputed to remove with my balance due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX XXXX. Myself as well as every other service member are paid through the same payroll. Somehow chime bank aka the XXXX XXXX XXXX XXXX XXXX XXXX has lost my direct deposit countless times or couldnt tell me where my funds were for now the fifth time. They continue to use the same generic customer service replies and not addressing the issue. This is third time that Ive been stranded, or late on bills and without means to take care of myself due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Has violated my rights 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. states a Consumer reporting agency can not furnish a account without my written instruction. 

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account 1 OPENED XXXX XXXX # XXXX Balance {$560.00} BXXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX XXXX  XXXX Balance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
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:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, FRAUDULENT NAMES 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, FRAUDULENT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( XXXX ) : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2008 I opened a wells Fargo account and my money just flew within a month XXXX was gone

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 2023-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX, XXXX XXXX XXXX Balance : {$32.00}, XXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: FL
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:
According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately.

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 2023-04-19
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: HI
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 have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2019-06-25
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX. I was purchasing a home in XXXX Georgia through Quiken loan as the finance company. After giving Quicken. All require documents which they approved. They also set a closing date. They then ask me for ID. And I send it to them. After they notice that I was not born in this country. They denied my loan. Meanwhile Ive live in the U.S. for 50, years and work the same job, for over 25, years making {$160000.00} XXXX dollars annually. Plus I already owned 2, home one of which is a rental property in XXXX XXXX XXXX value at XXXX, XXXX. Did these people discriminate against my XXXX, or my XXXX XXXX. Or both. The lady who was doing the loan quit, and called me personally to Apologize for what happen to me. And ask me if I got the loan. Which I did in record time because I wouldve lost the house. They were other people who wanted the house. If any lawyer wants to take up this case please contact me at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAVE HAD WELLS FARGO SECURED CREDIT CARD SINCE XXXX. I MADE ALL PAYMENTS ON TIME FOR YEARS, UNTIL XXXX OF XXXX. I END UP MAKING 1 LATE PAYMENT, REASON BEING, ILLNESS TO XXXX, WHICH CAUSED ME TO BE OUT OF THE WORK FOR A PERIOD OF TIME. I CALLED A FEW TIMES TO SPEAK TO A MANAGER ABOUT THIS. THEY PRETTY MUCH DID NOT CARE. YOU WOULD THINK BEING A LOYAL CARD HOLDER FOR 5 YEARS WITH ONLY 1 LATE PAYMENT THEY WOULD BE ABLE TO HELP ME. THIS IS MAKING IT HARD FOR ME TO START BUILDING MY HOME. THE UNDER WRITERS ARE TOUGH. IF I WOULD OF NOT GOTTEN SICK. I WOULD OF NEVER GOTTEN THE LATE FEE. I THOUGHT CREDIT CARD COMPANIES TRY AND WORK WITH CONSUMERS THROUGH TOUGH TIMES. I HOPE THEY CAN UNDERSTAND WHAT THIS IS CAUSING. I AM PERSON WHO LIKE TO PAY THERE BILLS ON TIME AND COMMUNICATE WHEN I AM HAVING AN ISSUE WITH PAYING ANY BILLS.

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 2020-04-16
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a refinance loan from Rocket Mortgage. We came to agreeable terms. 
My Loan Officer went on vacation. While she was gone my loan was rewritten to include a 25 year loan instead of a 30 year VA Loan. This increased my payment by {$300.00}. Also my percentage rate jumped from 2.87 to 2.99. The president told me it was because my credit was bad.

I cancelled this loan before my loan officer returned. When she returned she wanted to know why I cancelled. She tried to go in and rearrange it back to where it was.

I told her what the president said about my credit and she told me that VA is more forgiving about credit and it didnt really matter. So my rate was raised because my credit wasnt good enough, but, but it didnt really matter with VA anyways.

My loan was reconstituted, except for the raised percentage rate of 2.99 % instead if 2.87 % So it looks like a quick shuffle to raise my rates.

From the # 1 Lender in the Country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago. 
My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name. 
There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, I noticed on routine review of my checking account and online bill pay account, that an unauthorized and unrequested payment in the amount of {$5800.00} had been sent by check to XXXX XXXX XXXX. I called the customer service line at Chase and was told I needed to speak to the " claims '' department, and was given another number to call, which I did. After nearly an hour of wait time, the representative told me he was only authorized to deal with debit card fraud and I would have to wait for another agent. Within minutes, the line disconnected. I called again and after 45 minutes reached another representative to whom I explained the situation in detail, including telling her that Chase had sent the {$5800.00} by check and asking her to stop payment on the check. After 10 minutes of " checking '' she returned to my call and informed me the charges " would be reversed '' and the credit would post to my account within 1-2 days. 
On XX/XX/2020 I received a form letter from Chase identifying the XX/XX/2020 date of my inquiry and identifying it with Claim Number XXXX. " Here 's what you should know : As we discussed and agreed, no action will be taken. This inquiry is now resolved '' Shocked, I contacted Chase Claims department by phone on XX/XX/2020 and asked to speak to a supervisor, who gave his name as XXXX and informed me he had no Chase employee ID for identification later. He reviewed the inquiry and agreed to stop payment on the check. He indicated that if XXXX XXXX XXXX cashed the check and refused to return the money that Chase would not be responsible. When I asked if he thought this was reasonable, given that I had asked for stop payment on XX/XX/2020 and that the conversation on that date had been recorded, he answered " yes ''. 
He further suggested that I contact XXXX XXXX XXXX myself to ask them to return the check. And when I asked that Chase acknowledge the change in the status of my inquiry in writing, he stated that no additional letter would be forthcoming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXXXXXX 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 2020-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA has refused to provide WRITTEN DOCUMENTATION OF MY FRAUD REPORTS OF XXXX & XXXX. 
Two years later still USAA Refuses to provide. WRITTEN documentation of * RESOLVE. COMPLETION OF INVESTIGATIONS. ON ALL THE UNAUTHORUZED TRANSACTIONS I REPORTED. ( ** XX/XX/XXXX THERE ARE {$2.00}, XXXX OTHER FRAUD CREDITS NOT INCLUDED IN THE TOTAL CREDITS FOR XX/XX/XXXX. ALL USAA FRAUD CREDITS ARE INTERNAL HIDDEN FROM CONSUMER. ** ) USAA WAS FINED XXXX   OF DOLLARS XX/XX/XXXX FOR NOT RESOLVING ERRORS ON XXXX MEMBERS some my familys ACCOUNTS that I recommended usaa to ** BY LAW I DEMAND WRITTEN PROOF OF RESOLVE OF FRAUD REPORTED COMPLETION OF INVESTIGATION WITH PROOF I PURCHASED FROM MY IP ADDRESS AND MERCHANTS DOCUMENTION INCLUDED PROOF DELIVERY ACCEPTED & SIGNATURE. XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation