BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my Chime account was hacked. My phone number, email address and pin number was changed. At XXXX XXXX, {$890.00} was stolen from my account and transferred to a XXXX XXXX account. I have contacted Chime and they refuse to give me a provisional credit while they process the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For over a year, JP Morgan Chase Bank, NA has been holding 90 % + of my customer deposits claiming concerns that the check might be returned or not paid by the issuing bank. I am typically depositing checks from large financial institutions ( XXXX, Chase, XXXX XXXX, etc. ). I have never had an issue with any check ever being rejected or returned by the issuing bank. Most recently, on XX/XX/2023, I deposited a cashier 's check that was issued by XXXX, and Chase told me that they can not release the funds until the 7-day waiting period has passed. The purpose of a cashier 's check is to provide confidence to me ( and my bank ) that the funds are good. They are unwilling to consider and uncooperative about releasing these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2022-12-29
Company: EQUIFAX, INC.
State: MA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Accounts listed bellow : XXXX XXXX XXXX #? 

XXXX was unable to provide me CLEAR and ACCURATE information regarding this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime let XXXX charge my account for XXXX And I did not approve this transaction which is now causing me to be late on my phone bill they refused to help me figure out on a recorded line my phone calls are recorded and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my XXXX student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
18 years ago, in 2005 i opened a " High Yield '' IRA with Wells Fargo Bank. Since then i lost track of the account, but have recently found the account information. I was shocked to discover that after 18 years, the account had earned approximately 4 % TOTAL - not 4 % annual yield, but 4 % total or approximately {$80.00} on a {$2000.00} deposit. Is this " High Yield '' in your opinion? While I'm familiar with the concept of predatory lending, i'm not sure what the term for this type of deceptive advertising would be called - referring to an account as " high yield '' but it's far from. How many other consumers has WF duped by this scheme? 

I have attached my statement which states at the top " Retirement High Yield Savings ''

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 2022-01-12
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-09-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX sold my private property to a XXXX party intervenor without my consent to do so. Then the XXXX party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: I.C. System, 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:
Hi, I've tried to fix this false reporting with XXXX and XXXX last month and they didn't update the late payment I had. I need this last payment/debt collection that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting an opt out of this account from reporting to any non-affiliated third parties ( including any credit reporting agencies ) under The Gramm Leach Bliley Act and The Privacy Act of 1974. Please provide me with an reasonable opt-out form that can be submitted electronically under Regulation P - Privacy of Consumer Financial Information ; 12 CFR Part 1016 along with the original cardholder agreement listing the proper disclosures of opt-out options if you can not honor the opt-out request through this CFPB complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
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 is 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 inquiries. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking account with Chase Bank for the last XXXX years. I own and operate a business in the USA as well as a foreign branch office in XXXX. As a result of the COVID-19 panic, I received XXXX stimulus payments for my company from the SBA- the first was {$10000.00} loan, and the second was a {$10000.00} Targeted EIDL Advance. After the Advance was deposited in XXXX of 2021, my account was suddenly flagged and closed. The account in question has over {$2000.00} USD in it. 

I spoke with the SBA and they have already received all of my documentation for the processing of both the loan and the Targeted EIDL Advance- this is why the company was approved. Once I saw that the account was closed, I tried to contact Chase Bank and they have refused to work with me. They have told me that I can contact them in person at a branch, which is impossible for me because I am in XXXX operating the foreign branch office of the company. 

Chase Bank has seized my funds, rescinded ACH transfers that were in progress, and refuses to release the account access and/or its funds to me, the account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since the end of XXXX I have been getting harrassing phone calls from collections agencies.Needless to say I have an account that seems to be with three different credit collection agencies. YES!!! I tried calling the original debtor to resolve the matter. They had deemed it a write off. So a five year old debt is with 3 different collection agencies and all three appear on my credit report and I can not seem to get it off. 

However this one company started calling me and leaving messages stating they worked for the courts and were coming to arrest me. What they didn't know is I am of low level law enforcement and told them to stop calling me or I would take legal action. This strategy stopped and then they called introducing themselves correctly but they would call me at my work and on my cellphone three to four times a day. This one particular day in XX/XX/XXXX I received a call at my work where the woman stated she had an important call for me and with my permission she would transfer the call. I accepted the call, a woman came on the phone stating she was attempting to collect a debt. I asked what company she was with and after receiving the name of one of the collection agencies I told her to stop calling me. She hung up the phone abruptly and then my cellphone started ringing immediately after that, I picked up and the same woman from the same collection agency that I just told to stop calling me was on the my cellphone!! She stated " Can I call you on this phone number? '' and immediately hung up. 
I was furious, the nerve. So I sign up with a credit repair company and had them send cease desist letters to all these collection agencies. All but one stopped calling me and its the same rude agency that keeps calling me. Even thou they call once a week they still call use different phone numbers. After realizing the cease and desist letters were not working I decided after I received a call at my job again to ask for a supervisor. I was hung up on five times. When I did reach a supervisor He told me they would NOT stop calling me. He confirmed they received my letter but would not stop calling me.

Company response to consumer: Closed with explanation