BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit report.

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 2023-05-19
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:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions 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 Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written 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 2022-05-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The XXXX Bank  has canceled my previous checking account for no reason and without notifying me in advance, and they also have frozen my deposited money for half a year without returning it to me. 

I filed a complaint ( COMPLAINT ID XXXX ) on XX/XX/XXXX, and the bank is under pressure from the complaint, on XX/XX/XXXX, the bank asked me to go to their branch ( located at XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX to resolve the case. 

I went to the branch on time upon the appointment. first, the branch representative ( name : XXXX XXXX XXXX asked me to show my ID for verification and signed all the documents they required. During the process, another representative ( name : XXXX XXXX XXXX stepped in and stopped the process, Put me on hold for 2 hours for nothing, and then finally came over to claim that I did not have Notary, did not meet their requirements, and refused to refund the previous balance amount of my checking account. 

Obviously, they turned the simple things became more complicated and they just wasted my whole afternoon time failing to solve my problem, until now the bank still owes me about {$3000.00} in deposits. 

Additionally, My Checking account info with the XXXX  Bank : Account Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Checking Account Routing number : XXXX Checking Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: NE
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:
Good day, today I got my new credit report from credit monitoring My XXXX, and I'm still see that XXXX  and Experian still reporting a late payment on XX/XX/2015. When is not a late payment reported in Transunion. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable.

Also Credit Bureau should get information from the same FurnisheXXXX XXXX XXXX XXXX ) in this case.

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 2023-09-13
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing this summary in concern as a deceptive practice by Aidvantage student loan servicer. Below is a summary of what happened. 
XXXX XXXXreceived an email to confirm autopayment XXXX XXXX-confirmed autopayment on Aidvantage website and received confirmation email. No further steps provided. No further emails. 
XXXX XXXXreceived email that autopayment was cancelled due to no confirmation. No longer enrolled which forces me to now make payments myself and I lose the interest rate reduction. 
XXXX XXXX I sent an email requesting clarification as to why it was cancelled and received a response several days later stating I did not respond directly to an email to confirm my autopayment. 
I sent another email to Aidvantage asking about what email was supposed to be responded to as all the emails are automated and say not to respond, but receive no further response from them. 
XX/XX/23 I call customer service because I am no longer receiving a response as to what email I was supposed to respond to as I never received anything other than automated emails and I was told by the representative that there was an error and the emails were not sent to everyone so there was no option for me to respond to that email so I was unenrolled from autopay. I feel this is a deceptive practice on their part as likely many people have been removed from automatic payments and do not realize it and will miss their first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company Sequium Asset Solutions LLC has repeatedly been calling my father about a debt I have. I have agreed to a payment plan yet they still continue to call my father and provide information about my debt to him without my authorization. They have known they were not contacting me because my father would inform them they have contacted the wrong person every time they contact him. They have not attempted to contact me on any of my own phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my XXXX score last night ( XX/XX/22 ) using a service provided by a legitimate credit card account I have and discovered I had an unusually low XXXX score. I then pulled my credit report using a free online credit report service and discovered that XXXX Truist ( XXXXXXXX BB & T Bank Branch & Trust ) credit cards were fraudulently opened in my name on XX/XX/22. It appears that one of the account balances is up to {$14000.00} and the other account balance is up to {$11000.00}. The credit report indicates that no payments have been made on either account. The address connected to the two fraudulent accounts per the credit report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas. The phone number listed on the account is XXXX. That is not my address nor my phone number. 

I called Truist this morning at approximately XXXXXXXX XXXX  CT XX/XX/22 to report the fraud. the representative told me that Truist would investigate the fraudulent account and advised me to reach out to XXXX and file a report with this agency. I will file the report with XXXX and the other credit reporting agencies after I complete this form. 

To be absolutely clear I have no connection with these two Truist/BB & T credit card accounts. I did not open then, I did not authorize that they be opened in my mane and to my recollection I was never contacted by this financial institution to confirm the authenticity of the these credit applications.

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 2022-02-08
Company: SandP Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Scammer ) Dba : Deputy of Social Security Administration ( the Scam Company ) with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Bitcoin of America services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-02-08
Company: Byrider Franchising, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I signed a vehicle loan XX/XX/2021. I have made my bi-weekly payments on or before the due dates. never missed one. CNAC ( CAR NOW ACCEPTANCE COMPANY ) has continued to deny reporting my loan to the credit bureau. I have had numerous phone conversations and have countless emails back and forth stating they are fixing a problem ..this has been going on for 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Credit Union payed off my balance to Citi Cards on XX/XX/XXXX for XXXX on XX/XX/XXXX I called Citi bank because it hadnt been applied to my account. I called again XXXX  times and spoke to XXXX Supervisors since XX/XX/XXXX XXXX till XX/XX/XXXX because still no credit to my account I called my Credit Union found out the check had been cashed by Citi Bank on XX/XX/XXXX XXXX and my Credit Union has issued a copy of the cashed check cashed by them. My full name, Address, and account number is on the check and I sent a copy of the cashed check that went to Citi investigation and still they have not credited my account. I have made a payment to the account on XX/XX/XXXX since they claim they didnt have the check and they have the check and cashed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX  XXXX  ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.

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 2023-09-13
Company: Chime Financial Inc
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/2023 I filed disputes for 3 transactions on my Chime account that I did not recognize. I was able to trace the transactions and cancelled the disputes within days of filing them. I DID NOT receive provisional funds when the disputes were filed. Due to the disputes the merchant, XXXX, locked my account. After going back and forth with Chime for months asking them to inform XXXX of the withdrawn disputes, which they refused to do, I had to file a CFPB complaint in order for Chime to honor my request. XXXX has my account still locked and after speaking with their corporate offices they have advised me that this is due to CHIME receiving provisional funds immediately when the disputes were filed and not returning the funds to XXXX when the disputes were withdrawn. I am now going in 3 months of not having access to my XXXX cash account. CHIME support is useless. All contact gets shuffled around from dept to dept and ultimately I am told " we will escalate this, someone will contact you '' and weeks go by without any follow up. When replies do come, they are copy and paste canned responses that do not address the issue what so ever. The responses are not even applicable to the situation. Due to CHIME not returning these provisional funds my account is locked until they are returned, this is affecting my ability to pay bills, get paid, feed my children, etc and affecting my credit score due as well as causing SEVERE financial burden and mental anguish. CHIME support will not even respond to my emails anymore. I have worked closely with XXXX support on this matter however their hands are tied to release the account until CHIME returns the provisional funds they were provided over 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
In accordance with the Fair Credit Reporting act 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 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 2022-12-06
Company: EQUIFAX, 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 information incorrect

Complaint:
THIS IS NOT A DUPLICATE* THIS COMPANY IS A FRAUD. THEY HAVE BLOCKED ME FROM DISPUTING INACCURACIES ON MY CREDIT REPORT THAT ARE TRUE ERRORS. THEY HAVE NEVER PROVIDED METHOD OF VALIDATION FOR ANY ACCOUNTS REQUESTED. THEY HAVE NEVER PROVIDED UPDATED CREDIT REPORT AFTER EACH DISPUTES. THEY ARE FRAUDS. I HAVE COMPLAINED ABOUT THE FOLLOWNG ACCOINTS SEVERAL TIMES. SINCE THEY WANT TO BLOCK ME FROM ONLINE DISPUTING. I AM FILING A COMPLAINT FOR FRAUD. YOU CAN'T BLOCK A CONSUMER FROM DISPUTING!! AND THEY ARE TAKIN XXXX THAN XXXX DAYS TO RESPOND ON HERE AND ON WITH INVESTIGATIONS XXXX. They are showing accounts past the XXXX days statute of limitations XXXX. They have never provided a MOV XXXX. They are showing sold accounts with balances XXXX. They are showing repeated Charge offs every month XXXX. They are not being consistent with other credit bureaus Here are the accounts they are showing balances, XXXX past statues, sold accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation