BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: AL
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 XXXXXXXX XXXX account # 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 2023-01-10
Company: EQUIFAX, 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 have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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 submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-02
Company: Experian Information Solutions 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:
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.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
This account is showing updated charge off date as recently. this account has been settling and paid, this company constantly reporting inaccurate information and still showing charge off. I have attached this email and will provide a letter from collection company I paid to settle this debt. I have disputed this information with credit burau and only update is showing is unpaid charged off.

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 2022-11-19
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-22
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Karma suggested some cards they gave me high percentage of probability I would be accepted and I was denied over and over again and it did damage to my credit report and I understand there's a settlement about that now and I want to be a part of that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: AL
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, 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 2023-02-20
Company: CCF Intermediate Holdings LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an e-mail regarding debt collection today ( XX/XX/2023 ) from a company ( Speedy Cash ) that I never heard of or even applied for a loan. Upon calling this company and providing them the loan number on the e-mail, they attempted to get my birthdate and SSN number which I did not provide. They then told me to call their accounting department which will be open in 2 hours. I don't even trust this " company '' to even call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2022-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am an XXXX  with a XXXX XXXX. I was contacted by a lender regarding drafting a loan agreement and ancillary documents forthe purchase of robotic surgical equipment and the buyer was, allegedly, located in California which is where I am XXXX XXXX The parties were the lender, XXXX XXXX on behalf of XXXX XXXX XXXX XXXXXXXX ( Florida ) ( my " client '' ), theseller/supplier ( XXXX XXXX XXXX XXXX Ohio ) and a loan broker ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York ) thatcoordinated the fi nancing transaction. The lender needed a California XXXX  to draft and coordinate the transaction. This iscommon and I have handled similar types of transactions in the past. This process went on for several week including letters ofintent, purchase orders and appropriate documentation. All names, companies, websites were checked and appeared legitimate. XXXX ( XX/XX/XXXX ), I received a XXXX cashiers check in the amount of {$250000.00} with a remitter of XXXX XXXX - These monies, allegedly, were the initial deposit towards the equipment to be purchased. Chase reviewed the cashier 's check, accpted the depositon Monday ( XX/XX/XXXX ) and made the funds " available '' the following day, Tuesday ( XX/XX/XXXX ). Subsequently, on Wednesday ( XX/XX/XXXX ), I wasforwarded the purchase order from the supplier requesting a wire transfer of 5 % of the total purchase price ( {$180000.00} ). Iproceeded to send the wire, as requested, that morning. The following day ( Thursday XX/XX/XXXX ), I checked the Chase website and the '' cashier 's check '' was returned without explanation. Chase has frozen and intends to close my business and personal accounts within10 days. Needless to say, I contacted my client immediately after learning of this and the phone number was " deactivated '' and allwebsites ( for lender, broker and seller were gone ). I am a victim of fraud and am helpless as Chase has been of no assistance and willnot provide any information or explanation as to how a fraudulent cashier 's check for such a large sum of money could go through their system and be made available to wire. First of all, I need to report this so that the criminals/scammers that perpetrated this fraud can be, hopefully, located and prosecuted. Second of all, how to deal with Chase as they refuse to cooperate in any fashion. I havebeen a customer for nearly 15 years and have a spotless record. Thank you very much for your guidance, advice and assistance with this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My wife, XXXX XXXX, and I closed on our co-op on XX/XX/XXXX, with the first payment with Guaranteed Rate due on XX/XX/XXXX. In XXXX, we received notice that our loan processor was changing and payments should be directed to XXXX as of XX/XX/XXXX. We made the XXXX and XXXX payments to XXXX. Sometimes after our XXXX payment was sent, we received notice that our loan processor was once again changing, to XXXX, effective XX/XX/XXXX, but that previous payments would be credited. As yet, neither the XXXX nor the XXXX payments have transferred to XXXX XXXX. After discussing our issue with the loan servicer, we were assured that our credit wouldn't be affected and that we would not receive any additional interest, fees or penalties on our account while it was worked out on their side. However, as of yet only our XXXX payment to the new servicer has been received, which was credited to the XXXX balance. 

On XX/XX/XXXX, we received XXXX notices, all dated XX/XX/XXXX, threatening foreclosure due to the unpaid balances. At that time, the last email we'd received from the XXXX, XXXX XXXX, was on XX/XX/XXXX. We followed up 3 times between the XX/XX/XXXX email and our receipt of those notices on XX/XX/XXXX. 

As yet, we have not heard any material updates from XXXX, XXXX XXXX, or Guaranteed Rate. We will be making our XXXX payment in accordance with the terms of our agreement, but have not yet seen the amounts we paid initially for XXXX or XXXX credited to our mortgage, nor have they been credited to our own bank accounts. During this time, my wife 's credit score has dropped over XXXX points despite her being timely in all of her other covenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Chime Financial Inc
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday, XX/XX/XXXX my account with Chime was hacked. Chime notified me immediately via text and email that someone in XXXX changed my account information while I was at work. I'm in XXXX. My boss let me call Chime to deal with this. I called them from my car with no one there for privacy, just me and the lady from Chime. We froze my accounts and at that point, no one had stolen any money but the hacker did move about {$170.00} from my savings account at XXXX XXXX  MST into my Chime checking account. Then they moved {$930.00} from my checking account into my credit account with Chime within the same minute. Chime support told me over the phone that my money couldn't be touched at that point and it was all still there, just in the credit account instead of spread out how I had it. So I reluctantly went back to work. After work I had a bad feeling, so I called Chime to check on my money. During the time between my call to freeze the account and me calling again after clocking out at XXXX XXXX, I the hacker transferred {$490.00} to paysend.com. At that time, my account should have been frozen because I called Chime to freeze the account just after XXXX XXXX and I have a screenshot of the call to prove it, among many other things. I went home, reclaimed my frozen account, moved what I had left to a separate bank and started the process to dispute the charge. Time after time they denied my dispute, citing that I didn't give them enough evidence that it wasn't me spending money even though I gave them everything they asked for and more, even screenshots of their notifications to me that someone was changing my information out of state. I need that money for college really bad, so I filed several rebuttals of their denials and sent more information every time. I need my money back. That was two weeks ago and I would've filed my complaint sooner but I've been too depressed. They could have just denied the payment while it was still pending because it wasn't even finalized at the time I disputed it. I tried so hard to cancel it before the money left my account. My employer even sent a statement saying that I was working when this happened. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My phone was stolen in XXXX. Along with my bank cards. I had XXXX in my bank! Then when someone got a hold of my phone and card or whatever they had on me, that's when money started disappearing. I couldn't see what was going on bc I didn't have my phone to verify who I was. This has literally ruined my life right now. The only way I could access my funds was to.go in a center and they would only let me take XXXX out at a time. My bank statement is a mess and I have made police reports. I have been in the bank numerous amount of times to.fix this. Since I was absent XXXX and half months they accessed my account and paid there electricity in which overdrawn my checking and savings accounts! I then had to pull XXXX out of my savings that wasn't attached to overdraft. The money I took out of the bank I put in XXXX and the XXXX XXXX. Then I see other cards were opened in my account. I saw private banking. This needs to be cleared up 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 monetary relief
Consumer complaint received 2022-09-22
Company: Google Compare Credit Cards Inc.
State: MD
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 took a contract through XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After completing the test the cards were removed from my account. 
Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scan ) I tried to contact the developer but my previous contain was removed by XXXX. 

After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. 
The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, 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 non-monetary relief
Consumer complaint received 2022-07-02
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 Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over 30 points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me

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