BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NJ
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 below accounts are not mine and should be removed from 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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX are claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a Kohl 's store charge card for many years. I have always received my monthly bill through the usps. Kohl 's switched me to paperless online billing without my consent or knowledge in/about XX/XX/2021. Because I didn't get bill in mail, I didn't see it and it did not get paid on time. The email account it was delivered to was unchecked by me. When I found out that I had a payment that was over due, I paid the full amount on card immediately. I recently checked my credit report and am horrified that they reported the payment as late. At the time, when I called to make that payment, I explained to Kohl 's that I have to get my bill in paper format and that they had made a mistake by changing my account to paperless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
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: Investigation took more than 30 days

Complaint:
Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, XXXX, and Equifax have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, thousands of dollars lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXXXXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for months/years. I get turned down right away, when Ive had a lawyer attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: RI
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:
Since XX/XX/XXXX of this year i have been receiving emails from Chime stating that i need to register my account on line for easy access to my checking account and then on XX/XX/2023 my mother recieved a letter at her address, addressed in my name with a debit card that has my name on it. I have not lived at this address in 3 years and I have no need for a chime bank account. The account was opened in fraud using my personal information, when i called chime they couldnt tell me how or when the accout was opened and they dont have my id on file either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since I been with Ally Financial I have tried to lower the payments and the late fees are over $ XXXX {$200.00} dollars. Recently I lost a job but borrowed money to pay 3 months payment. They said that once I got caught up I was eligible to put 2 payments at the end of the loan term. I called after making the 3 month payment and they said I was not eligible to put 2 payments at the end of term. Ask to speak with a manager who said the same thing. There is no help from these cruel people who lie about helping people keep their car in difficult times. No help with reduced payments as well. I have never had any financial organization that treats the consumers this way.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the BANKRUPTCY of the U.S in XXXXSo when filling out a consumer credit transaction it means that I had to use my " card '' aka my social security card aka my social security number to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX  are willfully and knowingly committing fraud. 

This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
This is the third time someone is opening a debit card account without my consent or knowledge. 

The first time was XXXX XXXX Second was XXXX  Third was M & T bank I had to call everyone as soon as I got my debit cards in mail to cancel my 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
My credit card was full of false charged. I was talking to fraud department of BoFA and mailed them all required information about 9 months ago and did not see any changed on my 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 monetary relief
Consumer complaint received 2021-12-13
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to The Consumer Financial Protection Bureau ( CFPB ) to further report and request an immediate resolution with the hope that you will assist and rectify a very messy and distressing situation. My complaint is associated with the unauthorized withdrawal/removal of {$1000.00} from my checking account with New York Community Bank via XXXX by an unknown individual, on XX/XX/2021. 
On XX/XX/2021 I responded to an New York Community Bank ( NYCB ) email informing me that {$1000.00} was withdrawn/removed from my NYCB checking account on XX/XX/2021 via the opening of an unauthorized XXXX account XXXX according to a notice by a XXXX XXXX XXXX XXXX ) XXXX. The notice indicated if I disagreed ( did not authorize ) the withdrawal I was instructed to contact NYCB customer service department. When I contacted NYCB customer service department on the XXXX, I was told because of the nature of my concerns I had to follow-up with my branch. Speaking with my branch manager XXXX XXXX the next day ( XX/XX/2021 ) regarding the unauthorized activity associated with my checking account. Most specifically there was the opening of a XXXX account with NYCB and the withdrawal/removal of {$1000.00} paid to a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 
I was told NYCB is not responsible for any XXXX transactions and XXXX XXXX, reiterated when I spoke with him on XX/XX/2021 and met with him XX/XX/2021. When I questioned the validity of XXXX XXXX statement associated with a XXXX XXXX, having the ability to open a XXXX account and transfer funds reinforcing that XXXX XXXX was not known to me or an authorized member on any of my NYCB accounts. I was told the activity was done using my mobile phone, therefore, the bank felt the action solidified NYCB was not in any way liable even if I had not authorized the opening of the XXXX account. Clearly, such a position is preposterous and unacceptable. 
XXXX XXXX suggested that I follow-up with XXXX, a separate entity, because XXXX is not associated with NYCB. I found the statement totally unacceptable and shared my disagreement and displeasure. Even so, after several attempts to contact XXXX, I felt it was important and necessary to file an official fraud complaint with the XXXX XXXX XXXX Police Department, XXXX XXXX, XXXX, New York, moving the fraud incident forward. As a result, of my concerns, appropriately a fraud case was opened by XXXX. XXXX, and I was subsequently provided with complaint # XXXX, establishing a legal fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Account information incorrect

Complaint:
I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.

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 2022-10-04
Company: EQUIFAX, INC.
State: MO
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 a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over 95 days and still can't fix my account but have steadily push unwanted high interest rate cc 2 today in sunday

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 2017-03-11
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.

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