BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
An account was opened in my name. I received an email that the account was opened and a debit card was being mailed to the address of my last residence. I signed into the account and froze transfers. I called Chime to try to close the account but was not able to because I do not have the debit card number. I then tried to message in the app, which is how they recommend closing an account, but they said they did not have the tools to help and I needed to email support. I would prefer not to send personal information ( SSN, full name ) in the email to support, so have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied to a rental company managed by XXXX  XXXX   XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was Mentally, Physical, and Emotional abused by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. Experian, XXXX, XXXX  has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. Experian unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting Experian to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed 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 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Eagle Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi there, I bought two {$500.00} Visa gift cards in XXXX in XXXX XXXX CA on XX/XX/XXXX and XX/XX/XXXX. Both of two cards had a {$490.00} unauthorized charges which were made a few days later on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX chain in XXXX California. 
They were very suspicious transactions and the physical cards were never out of my house after I bought them. Blackhawk Network didn't review these charges and they still approved them. Blackhawk Network didn't notice me about these transactions at all. And they never sent me monthly statements so I don't know that until I was failed to use them to pay some bills with these cards on XX/XX/XXXX. 
I called Blackhawk Network on XX/XX/XXXX to report these gift card scams. As the result, they said they can't give me any refunds. This is obviously a serious security breach in their security system. And they didn't alert cardholder to these two very suspicious transactions. It is absolutely Blackhawk Network 's responsibility to protect the security of the cardholder 's funds, but they rejected my unauthorized transactions dispute application with a filing deadline exceeding 60 days. In fact, I would never know these transactions before I tried to use them on XX/XX/XXXX. 
Under the impact of the epidemic, I really need this {$1000.00} to support my family and children. Blackhawk Network did not sympathize with my situation and refused to return what should have been my money. I hope CFPB can help me out of this dilemma. 
Thanks and best regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX BANK XXXX XXXX OF 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 2023-06-11
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX has been reporting on my account since XXXX of XXXX with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
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 information incorrect

Complaint:
Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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: Information belongs to someone else

Complaint:
hello i am filing a complaint for error on my credit report from XXXX, XXXX, Equifax so i want the items removed and deleted from my report or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: NY
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This Upgrade company charges exorbitant overlapping interest rates and consumer submitted payments are credited when the company processes the payment which typically takes ( XXXX ) XXXX weeks on a paper check forcing you to make online payment because it is Upgrades  preferred method of payment not the consumers preferred method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : KIA MTR FIN XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: NM
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:
Experian and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy. 
1 ) XXXX XXXX XXXX -Acct # XXXX 2 ) XXXX -Acct # XXXX. 3 ) XXXX XXXX Acct # XXXX 4 ) XXXX -Acct # XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a 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 reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new? 


No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: NC
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:
I have recently sent a dispute over to XXXX XXXX XXXX XXXX due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XXXX, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly
verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding 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 2022-10-20
Company: Experian Information Solutions Inc.
State: LA
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 XXXX, XXXX XXXX XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, Complaint # XXXX summary : In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from XXXX that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 

Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). 

So I would like to have your help again please to fix the same error. 

Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XX/XX/2017 2. XXXX  XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 I have attached my FTC report and three forms of ID also.

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