BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The amount of {$550.00} was refunded to me on XX/XX/2022 in the form of a credit from Chime, but there was money sent from my credit builder account and my savings account into my primary checking account to be sent to an unauthorized person. I was scammed and robbed while I was out of town in XXXX XXXX, Nevada from XX/XX/2022 to XX/XX/2022. I was contacted by the number ( XXXX ) XXXX on XX/XX/2022, my mothers birthday, by an alleged Chime customer service representative with all my account information, as well as, all of my recent transactions. The alleged representative was inquiring if I had used my card in XXXX, Florida, and was informing me of fraud while stating all my transactions back to me. I reached out to Chime, and they told me they would not be able to give me my money back that was transferred to my checking account from my credit builder and saving account. The amount that was transferred from my credit builder was {$160.00}. The amount that was transferred from my savings account in XXXX separate transactions of {$260.00} and {$27.00} in the full amount of {$280.00}. The total amount for all unauthorized transactions from my account was {$450.00}. I reached out to Chime as soon as the incident occurred, and I reached out to Consumer Financial Protection Bureau to report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: LA
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ally is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also Ally is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered 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 2023-05-24
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 con
victions 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 2023-05-23
Company: EQUIFAX, INC.
State: CA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

5. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Fell behind on mortgage due to covid. Applied for assistance like forbearance twice. Denied. Paid for new appraisal to drop PMI Denied. Paid off home and was charged thousands in foreclosure fees but letter received stated I could get assistance before they proceed with foreclosure. Took weeks after check was received by them to process payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: SC
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank XXXX XXXX The account was Settled in Full for {$2600.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection XXXX for Capital One Bank XXXX and deposited my {$2600.00} check from the Title Company XXXX XXXX as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " XXXX XXXX '' with a balance of {$140.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " XXXX '' status, and it is still showing an account balance of {$140.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " XXXX XXXX XXXX, '' my credit score has dropped each month it has remained falsely reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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 actXX/XX/XXXXaccount XXXX, 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 2023-05-28
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
was at the bank looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # ending in XXXX and XXXX XXXX XXXX XXXX : Account # beganing in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: MD
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX account was previously showing closed as of XXXX but now showing OPEN again and reporting a balance as of XX/XX/XXXX. Equifax will not properly investigate a dispute and not following protocol according to the U.S. CODE 1681a and continue to allow the creditor to make remarks and now open a closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief