BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Chime Financial Inc
State: OK
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:
I have a Chime debit card which is issued thru XXXX Bank. On XX/XX/22 someone hacked my chime debit card info and charged approx {$200.00} worth of XXXX XXXX, liquor and food on my account. My card was not stolen it was still in my possession and I never give out my PIN numbers. I was at work during this time. I contacted Chime immediately and disputed the charges. I have no idea where the charges were from except the liquor was purchased from a place called " XXXX XXXX '' which is in XXXX XXXX. I have tried to resolve this through Chime but they say I need " reciepts '' or something to prove I didnot make these purchases but I have no information on even where the purchases were made or what state even. Chime has not been willing to help me with this information so I reached out to XXXX who has essentially said the same thing asking about police reports etc. I dont know which police dept I should report this too or how to obtain reciepts on things I didnot buy. I dont know what to do at this point. Do I just have to allow them to steal money from me with no recourse. I didnot know that I had no protection for fraud on this account which I have only had for less than a year. I would appreciate any help I can get on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
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:
There is two different accounts with Experian that are NOT my accounts. They are fraudulent. XXXX XXXX, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.

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 2022-07-28
Company: EQUIFAX, 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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I received 2 payments to my cash app account. One payment was XXXX and the other was XXXX. I received a message telling me that there had been a payment sent to me which was the XXXX. The message also told me that I needed to accept this payment from the sender in order to complete the transaction. I accepted the payment and about 10 minutes after I accepted the payment I then receive a message that the payment had failed and that cash app had blocked this payment to me for my protection. This I don't understand and that's because cash app was unable to provide me any other information on why they felt I had to be protected from receiving my payment. 
If cash app had a flag on the individual that sent it to me then why is that person allowed to do any kind of business through cash app.!!! Also I received a XXXX payment on XX/XX/2022 just following the payment mentioned above and according to the Agent at cash app ( XXXX ) there was no problem with this payment and that it was available in my account to be used. I viewed the XXXX payment sent and my account showed me a XXXX! balance in it. I went to purchase something at about XXXX XXXX  the same day of receiving the money and the purchase was declined. I waited a few hours later and attempted to use the XXXX and that transaction was declined as well. This was gas money for me to get to work. I was unable to make it to work. I lost XXXX of income because of this. Cash App keeps you waiting for hours before you can get any assistance from them. You rarely ever get to talk to a human. The help they provide is by way of chat/text. This is not the first situation I have experienced with Cash App that I needed assistance in order to receive the money that someone sent to me. Each time is a a couple of days waiting period before anything is resolved. To send and receive money is the core of their business and they handle this as if they have no clue and definitely no urgency in processing a person 's money. If they are that busy where it takes 2 days or longer to assist a customer then why won't they hire more help to accommodate the the customer in a efficient time matter. 
My account name with Cash App is. XXXX XXXX XXXX The money I was trying to receive was sent from XXXX XXXX XXXX and the XXXX was sent from XXXX XXXX. As of this point I still have not been able to access the XXXX payment sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Personal information incorrect

Complaint:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** My name is XXXX XXXX  XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to how it is currently furnishing my personal identifiable information. I have provided specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information I have authorized to be furnished on my consumer credit report and EXPERIAN has deliberately and willfully failed to comply and is once again in violation of the FCRA. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is now willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the following unauthorized personally identifiable information : UNAUTHORIZED ADDRESS : 1. ) 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 2023-09-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, bankruptcy as filed and XXXX XXXX was included in debt. XXXX XXXX was notified of bankruptcy status via email and mail but still continued to take funds from bank accounts in XXXX, XXXX, and XXXX. In XX/XX/2023, bankruptcy was discharged and XXXX XXXX continued to initiate ACH transactions with banks. Stop payments were applied to all accounts. In XXXX, XXXX and XX/XX/2023, XXXX XXXX were continued to be notified via email, mail with cease and desist letters, and even contacted via phone. XXXX XXXX continued to threaten me with XXXX point drops on my credit if I did not pay the balance that was included in bankruptcy. XXXX XXXX continued to initiate ACH transactions from stop payment banks by changing names on all transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NM
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 explanation
Consumer complaint received 2022-06-28
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company granted me a 12 month forbearance, that ended XX/XX/XXXX. Throughout my forbearance I kept in contact with them. I was always told that when my forbearance ended, I would need to submit a Mortgage Assistance Application for further evaluation of my situation. I was led to believe that I would be able to possibly have my interest rate lowered or somehow have my payments lowered to be more affordable. My situation has not changed and when I got back the evaluation dated XX/XX/XXXX, they wanted to raise my interest rate, extend my mortgage, which of course raised my payment. I could not agree with those options, so I was told to submit another Mortgage Assistance Application. I faxed it XX/XX/XXXX. I got a letter, also dated XX/XX/XXXX, that pretty much kept bringing up the option of Short Sale. They indicated with a new application they could, again, review my expenses to determine affordability of a repayment plan. 
Never before had any correspondence asked me to submit my expenses to be considered. The applications requested income information. Had they considered my expenses, the review would have had a completely different outcome. I am unable to upload documents to send, I will need to fax them, if I can somehow get your fax number?

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 2022-11-30
Company: Hillcrest Davidson & Associates
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received phone calls and texts from a XXXX XXXX from Hillcrest, Davidson and Associates regarding debt collection for a person of the same name as myself in Utah. i explained that he had the wrong person, and I have nothing to do with this person or company. I sent a cease and desist letter on XX/XX/XXXX certified with return receipt explaining this debt is not mine and that they have the wrong person. In addition, I asked for verification of the debt. The collector said he found my contact on linkedin and thinks it's me because there's so much information out there apparently. 

No response was received and no verification of debt was sent. I kept receiving collection notices with threats of legal action and credit bureau reporting on XX/XX/XXXX and XX/XX/XXXX. 

I checked this person on XXXX that he was pursing. The person is a different ethnicity, age, education and lives in a different state. My first and last name match this person but the middle name is incorrect as well. 

The debt is for a company named XXXX XXXX for {$15000.00}. Again this is not my debt and they have the wrong person. They ignored my cease and desist letter as well as request for debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NV
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 went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX be removed and XXXX has yet to remove it.

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 2022-06-28
Company: EQUIFAX, INC.
State: NV
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 went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX be removed and XXXX has yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
NetCredit was NOT licensed to do business in Virginia ( where I reside ) Therefore, in accordance with VA law, my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law and offered a loan with an illegal interest rate. I have sent emails to them, as well as replied to multiple emails from them, explaining that the Commonwealth of Virginia sued them and WON, because they were found guilty of illegal loans and violating the laws here, therefore making my loan null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report.

15U.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't furnish an 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-06-28
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation