BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: AES/PHEAA
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been falsely alleged that I owe over {$20000.00} in student loans in the year XXXX, and XXXX and XXXX. 
Fed loan alleges XXXX XXXX College for imputing the information. 
Can you help please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 I closed the balance to my XXXX XXXX credit card on presumption the account would be closed XX/XX/2021 The still open account makes a purchase. I can neither give you the exact date or what the purchase was nor the amount of the purchase. Both XXXX XXXX and US Bank refuse to give me a statement because neither of them have access XX/XX/2021 XXXX XXXX sold the account to US Bank.

XX/XX/2021-Present day XX/XX/2021 US Bank charges late fees with no attempt to contact. 

XXXX XXXX I check my credit score to see that US Bank has reported late fees. I contact both XXXX XXXX and US Bank. They both say I can not dispute charges because they dont have the statements. They have to request a statement to be mailed to me. 

XXXX XXXX I received my first statement and bill. There is not information on the disputed purchases, just interest and late fees. 

XXXX XXXX I received my first voicemail contacting me to pay. I call and they tell me I need to put in another request for the disputed charges. All the while they keep charging late fees/interest and ruining my credit score

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 2023-01-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Sunlight Financial LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sunlight Financial XXXX  are taken out under false pretenses with high pressure predatory sales. Sunlight financial charges a 29 % dealers fee/ origination fee and will raise price of monthly payments after 19 months unless we pay a hefty payment out of pocket. We were told by XXXX XXXX that we would receive a rebate check from them to cover this but never received it. Sunlight financial also assured us that XXXX  would send this rebate check so we wouldn't have to worry about our payment going up however pink energy soon closed its doors. The price we were pitched does not show the breakdown of what the money is going towards so we had no idea a good majority of the loan was for the dealers fee. Essentially what they are doing is taking advantage of the 26 % federal income tax credit in order to capitalize off of the tax savings that homeowners get to claim. We were originally told that the loan would only be {$40000.00} then when we got the paperwork back the loan amount was {$82000.00}. When we told them that it was way more than we could afford and told them we did not want to move forward we were threatened with a bill of {$5000.00} that needed to be paid in full for their " time processing the loan ''. When we told them that we are unable to pay {$5000.00} they said our only option was to move forward with the loan. After doing more research we found that this same tactic was used with a large majority of their customers and many were forced to take on a large loan that they could not afford. They have also partnered with XXXX XXXX XXXX XXXX for years and knew that they were selling customers faulty systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. 

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

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 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A Bank of America check for {$60.00} written on XX/XX/2022 was mailed. It somehow got into someone else 's hands and was altered. A new payee added. The amount was changed to {$18000.00}. The check was countersigned at XXXX XXXX XXXX bank and cashed. The altered check appeared on my account on XX/XX/2022. Five days later I saw the fraudulent check entry and immediately notified Bank of America and filled out all the documents they asked for. The account was frozen and all the other checks that were in transit bounced. I paid the merchants who had bounced checks from a new account which included extra fees. It has now been fifty six business days for the bank to investigate and return my {$18000.00}. They insist they have ninety days and refuse to share with me any firm update on how their investigation is going. 
The fraudulent activity is obvious but the bank seems to feel no responsibility to make me whole in a timely fashion.

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 2022-10-18
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TN
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 this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted national credit adjusters about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-19
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, US Bank issued me a letter titled " Notice of Right to Cure Default '' with terms as follows : pay total amount due of {$160.00} by XX/XX/2018 and " the cardmember agreement will be as though I was never late. '' On XX/XX/2018, as acceptance of this offer, I paid the requested balance of {$160.00}. I was informed to not make any payments on the account during the fraud investigation, which I did not request ( and they claim they have a written signed statement that I did ), and US Bank refused to provide me requested documentation of the fraud investigation ; they have still not fulfilled this request. Immediately following the fraud investigation, US Bank placed my account in default.

US Bank has failed to keep their end of the agreement regardless of my multiple calls and requests. They have not removed the previous late fees as stated in the agreement and in addition, have added two more additional late fees. 

Because the account was under fraud investigation for several months with my access blocked to the account, I was not allowed to make a payment for a few months. The agreement clearly stated that the account will be considered as having never been late. Therefore, based on their offer and my payment as acceptance of this offer, US Bank is under obligation to remove the previous late fees : XX/XX/XXXX {$26.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$33.00} ; and any and all associated interest on such balances. 

I also request that any and all reporting the credit reporting agencies be corrected as indicated in the letter and offer : the account was never late.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-18
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-31
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a Chime account in my name at my home address, however it was opened in a nickname of mine when all my credit reports are already locked because of fraud. When I called chime they told me they don't have a fraud department and they wanted all my personal info to activate the account so they could have someone email me about it. Ok first off, I don't have anything sent to my home address. Someone tried to murder me seven years ago and I do not want my address getting out so I use a po box for everything. So, the problem is that whoever got ahold of my info, did not have my actual address. Chime opened the account and sent the card to my home address. Now I'm worried that they have given this thief my actual home address. Well, talking to them was the most frustrating experience ever. They kept referring to the fraudulent account as my account and saying things like, " so you're telling me you didn't mean to open the account? '' Hello. What in the actual...? At this point I have no idea if they have closed the account or how many other accounts they have opened fraudulently or if they have just sent this thief a new card or what. Who even opens an account with a nickname? Chime does, apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX XXXX  Case Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
i was using a websites XXXX XXXXXXXX for backround checks then they charged me XXXX  dollar which is i thought fair then a few days later XX/XX/XXXX they charged me XXXX then XX/XX/XXXX they charged me XXXX dollars on another account i will talk to bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Received a letter from a debt collector, XXXX XXXX XXXX, regarding the suspension of consumer XXXX credit card ( driver license card ) ending XXXX, dated XX/XX/22 as abusive, unfair, deceptive, the implication of bond with court in violation FDCPA 1692e ( 1 ). 

This unauthorized action of debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Checkr a consumer reporting agency for which the report is disputed.

Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct Checkr to cease and desist, as right to opt out, use of personal information and injurious negative information.

The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job.

Checkr is instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/XXXX, I submitted a mortgage refi application with Citibank for my primary residence. The associated fees for the application were charged to my credit card on XX/XX/XXXX. It is now XX/XX/XXXX - over a year since the application was submitted and my application is still pending review. I have chased, I have escalated, but none of it has worked. Most recently, I don't even get a superficial response that my loan is still pending when I ask for an update. I have had to pay the higher interest compared to where the refi is locked all these months. Additionally as rates were dropping, I asked Citibank for a rate refresh to see if I can re-lock at a lower rate and my requests were ignored. Citibank 's practices are unprofessional, unethical, and this needs to be addressed 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 2023-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Some one at WellsFargo without my knowledge opened account for me couple years ago. 
I did complaint to the branch manager, they supposed to take an action and let me know but they never did. 
I never authorized for theta account and my signature. 
WellsFargo has sells pressure for the employees and we as clients we should pay for 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 explanation