BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-09-21
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXX, my checking account was hacked multiple times and charged three times in the amounts of {$120.00}, {$120.00}, and {$120.00} from XXXXXXXX XXXX XXXX XXXX XXXX all in the same day and time. These unauthorized transactions also happened in another state that I do not reside in. I have reached out to Chime 5 times and they have done nothing to settle my dispute. I first opened my dispute on XX/XX/XXXX and they closed my dispute the same day without my knowledge, they did not reach out to me or contact me regarding my dispute at all. They keep telling me to wait and that my case will be escalated but I have not heard or seen any changes to this matter. I have tried reaching out to XXXXXXXX XXXX XXXX and I have not heard back from them after calling and sending a message through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the fair credit Reporting capital one, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was offered an item online and I agreed. The man said he would send the item if I gave him the amount. I sent {$550.00} dollars to multiple accounts of his. The dates include from XXXX XXXX throughout XXXX XXXX. I never received the item and got scammed from {$550.00}. The multiple XXXX XXXX I sent money to are, {$100.00} to XXXX, {$150.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, {$100.00} to XXXX, {$100.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, and {$50.00} to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Grain Technology, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had withdrawn XXXX  us dollars from a mobile app called grain XXXX. I used the app before and paid it back on time. I then pulled from it again and when I got the money in my bank account grain wouldnt let me log in and keeps locking me out of my account saying Ive failed my password attempts too many times even though I hadnt even tried it. It also disconnects from my bank so theres no way for me to pay them back now. Ive emailed them two times and filled a report but they never get back to me. Its been two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: MO
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:
1.Original Creditors Name : XXXX XXXX XXXX XXXX. XXXX  ( XXXX XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 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 2022-09-21
Company: Experian Information Solutions 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:
I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXXXXXX 7. XXXX 8. XXXX XXXX 9. 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 2022-09-21
Company: EQUIFAX, INC.
State: OH
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  Account # XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, This dispute is for Citibank and XXXX XXXX XXXX. I have been placed in a system where I can not open any accounts with a financial institution. I am disputing the removal of the status Citibank has under this savings account that is reported to your agency. There is a lot of inaccurate information under this account and needs to be removed. This violates my consumer rights under the FCRA. Citibank is reporting this savings account that closed back in XX/XX/2022 as checking fraud. This is a vague term and does not specify if I was a victim of fraud or someone defrauded me. XXXX XXXX  will not reinvestigate this item, but can not provide me any validation of information to prove that it's accurate. This status of term is reflecting negative on my consumers report and I have been unable to establish banking because of this negative status. I need a deleted record provided to me and this comment removed under the status for this savings account. If this status/comment is not removed immediately, I will proceed with filing a lawsuit in my state. I have been a victim of identity theft and never experienced such poor resolve in my life. I have already contacted XXXX XXXX team to look into CitibankXXXX XXXX XXXX practices with consumers.

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 2022-09-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A regions bank employee, XXXX XXXX participated as an accessory to commit felony Larceny. I was defrauded out of XXXX XXXX dollars. Her supervisor is also helping to cover up this crime. She works at the XXXXXXXX XXXX XXXX in XXXXXXXX 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint regarding my credit report. Recently, XXXX removed a charge-off from my report that was reported by XXXX XXXX XXXX XXXX However, TransUnion and XXXX have failed to remove the same charge-off from my report. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq, credit reporting agencies are required to maintain accurate credit reports and investigate any disputed information. The FCRA also states that credit reporting agencies must correct or delete any information found to be inaccurate or incomplete, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681i. 

Despite acknowledging that the charge-off was in error, TransUnion and XXXX have failed to take the necessary action to correct my credit report. This is a violation of the FCRA and has caused me significant financial harm. 

I have attached documents from XXXX supporting my claim that the charge-off was in error and has been removed from my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that TransUnion and XXXX remove the incorrect charge-off from my credit report. I also urge you to hold these credit reporting agencies accountable for their failure to comply with the FCRA and the consequences outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.

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 2022-06-08
Company: Experian Information Solutions 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:
I have disputed this item well over 60 days ago and the item remains on my credit report. I have not received any verification or validation from the credit bureaus nor the collection agency of 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: RFNA, LP
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: Account information incorrect

Complaint:
ACCOUNT IS PAID IN FULL. REPUBLIC FINANCE IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022 CFPB complaint # XXXX, XXXX and certified mail was sent to Transuion disputing the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX, Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date, XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX, 2022. 
TRANSUNION failed to respond and investigate said accounts within the 30 day time period. I demand for the said accounts to be remove 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 2022-06-07
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: Personal information incorrect

Complaint:
There are 2 names that are wrong and 1 address that is wrong and 2 employers listed that are wrong. Also 4 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to me

Company response to consumer: Closed with explanation
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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please, the following names needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the account needs to be removed : XXXX XXXX XXXX A copy of my Bank Statement, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-04-25
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 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 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The XXXX XXXX accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a complaint with the CFPB on XX/XX/2022, in regards of my account being closed for " high risk '' purposes. On XX/XX/2022, Fifth Third Bank responded to my CFPB complaint stating that " Fifth Third has determined that the activity in your account did not fall within our underlying acceptance of risk ; therefore, the decision was made to close the account. '' As detailed in my original CFPB complaint dated for XX/XX/2022, I requested for Fifth Third Bank to provide me detailed reasoning on why my account was closed, Fifth Third Bank has failed to provide me the detailed explanation on why my account was closed. Fifth Third Bank states that the activity in my account did not fall within their underlying acceptance of risk, so my question and concern still stand- WHAT ACTIVITY IN MY ACCOUNT FELL WITHIN THE UNDERLYING ACCEPTANCE OF RISK? Please be detailed of the specific transactions, dates and amounts regarding the activity that has been referenced to regarding the closure of my account. My original complaint concern has not been addressed nor answered- CFPB please help assist in resolving this issue soon. Thank you.

Company response to consumer: Closed with explanation