BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX credit pass complaint to Equifax and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX  XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft. 

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID and ( please see attached Credit Report excerpt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: IL
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:
Refusal to XXXX XXXX XXXX own agreement. Exhibits 1 thru 5 attached.

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 2022-05-24
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:
I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.

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 2016-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset, the customer service representative made an error and credited too much back to our account. On my XXXX statement, Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however, on my XXXX statement, XXXX re-billed my account for {$710.00}. I have made phone calls, uploaded evidence into the website and faxed information to Chase and they have yet to reverse the charge. With every phone call I make there is another excuse as to why they have not reversed the charge and I start the dispute process over - providing evidence in writing. 

Regarding XXXX, the hotels were clearly marked as having free cancellation by XXXX XXXX. We made the reservations in XXXX and held onto them for only a couple of days. There was absolutely no one to speak to at XXXX and I will never use that " service '' again. 

My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I received a notification that the phone number on my chime spending account had been changed. I immediately called chime customer service number and explained it was not me who changed the number. While on the phone I requested my remaining funds be transferred to another bank account to keep them safe and I requested for my account to be closed. The associate agreed that this would be the safest option to protect my funds and he reassured my that there would be no issue. A week passes and the funds never show in my other account. I reached out to chime and they said that the account had been suspended due to unusual activity and for it to be unlocked I needed to send them verification from my other bank as well as other personal documents. I have done all of this and my account is still suspended and I do not have my funds. I would just like my money and the peace of mind knowing that the account has been closed. 

Chime reached out to me after my previous complaint and stated " On XX/XX/2022, we contacted you requesting a listed of documentation needed to have the account reenabled. The list has provided below for your reference : Your primary government-issued photo ID ( such as a Drivers License or State ID card ) OR Secondary ID ( Social Security Card or Student ID ) For security purposes, please also provide a photo of yourself holding your ID document ( selfie ) and a piece of paper with your name and today 's date written on it. Please feel free to contact Chime Member Services via email at support@chime.com if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' The next day I sent the the required documents to the email address listed and the account is still not unlocked and I still do not have my money. I want the account to be closed and money to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I was a victim of identity theft in XXXX. I have sent Equifax proof of my ID theft including FTC ID theft affidavit, notarized, and a police report. Multiple times they just " verify '' the information on the accounts and refuse to block it per the law. The verification is not what I am asking. I am providing documents of my police report, affidavit and proof they have received these documents. I originally received notice of this ID theft due to a collection letter on XX/XX/XXXX, from PCS. They ceased collection once the ID theft documents were provided but Equifax still refuses to block the information as request. We are now going on 2 years of my time fighting this because they refuse to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24
Company: FISERV INC.
State: CA
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:
On XX/XX/XXXX I discovered that there was Unauthorized charges done on my debit card and with drawls that were done, that I had not taken out. On line XXXX purchases in the amounts of {$31.00} that were made on XXXX/XXXX and lots more that were charged on my debit card. XXXX for the amount of {$200.00}. And more from there that I did not make. ATM withdrawals from XXXX in the amount of {$400.00} at a time that I did not make, on XX/XX/XXXX. And alot more of those that I did not make. I need help getting my money back. I filed a dispute on XX/XX/XXXX. However XXXX  XXXX  refuse to help do proper investigation. They said they denied my case because of PIN number being known. XXXX pills the dispute case and they still continue to deny, my case because whoever had all my information including my pin. I asked if I can see pictures of person who Withdraw money from ATM, but they refused to give me those pictures and just deny my case. Ive also given proof of me working my schedule And ask them if they could see if the transactions were made during some of the times that I was working to prove that I can be at two places at XXXX time they still denied my case. They want me to Re-appeal the case again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax has allowed unauthorized inquiries that have no permissible purpose to be reported on my credit file. I am asking that they supply me with the written authorization form from the creditors or remove the inquiries. I never spoke to or authorized these companies to pull my credit nor was I given any line of credit with these companies. This IS NOT a request for any fraud alerts to be put on my file. I just want the following inquires removed as no permissible purpose exists. 

1. XXXX 2 XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX. 

I am demanding that these 12 inquires be removed as Equifax did not have my permission to share my file with these companies. I did not apply for credit nor did I get credit extended to me. I have written them several times asking for verification or to have these removed and they refuse instead stating that they have to report these for 2 years. Not without valid proof of permissible purpose and they do not have this proof so they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 sent a letter out in XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Charge on statement for transaction dated XX/XX/XXXX posting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX ACCT # ENDING XXXX ( {$210.00} charge ) XX/XX/XXXX - called BOA fraud department to report unknown/unauthorized charge listed above. Was told by agent that it was an online purchase, my card was cancelled, new account issued, and temporary credit issued. 

XX/XX/XXXX - received letter stating, " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges and fees that you were charged. You don't have to do anything on your end -you 'll see the credit ( s ) on your monthly statement. We appreciate your patience and are happy we could resolve this for you. '' XX/XX/XXXX - received letter stating credit was reversed and " the merchant provided documentation confirming you received the merchandise or service. '' Upon calling BOA fraud department, I was told that after investigation, this was a physical purchase, and another request for investigation was done with the same end result. This was in no way a physical purchase as I never lost my card, the charger is not a physical merchant after conducting my own research. 

I was told the only option I had was to call this charger myself. I was given XXXX to call and after calling a total of 15 times between XXXX, each time only a voicemail stating the company was " on holiday '' was received. No voicemail option nor human interaction. 

I tried calling BOA fraud department multiple times on XX/XX/XXXX and got disconnected each time so I felt I have no choice but to file a claim with CFPB. 

In closing ; this is an unauthorized charge, and I am in need of this to be taken off of my account immedietly. 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 2016-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Repeatedly I have asked XXXX, Equifax , XXXX, XXXX, XXXX to remove the statement " foreclosure started from my credit reports. They always said XXXX XXXX XXXX refused to take it off. The attached document from XXXX XXXX XXXX disputes that now and I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.

Company response to consumer: Closed with explanation