BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America

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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I did not authorized credit application from Chase Bank this is the second fraud that I have received a hard inquiry again with this company and they stated it will take 90 days to remedy. The first breach is on XX/XX/XXXX and the second is on XX/XX/XXXX. I'm told by chase fraud this is a chase freedom account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: OPTUM BANK, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a retiree. I am writing regarding a health savings account, with Optum Financial, previously called Optum Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I have tried four times to close this account and get my remaining money out. I have been repeatedly assured the account has been closed, and I would receive a check within about 10 days. Each time, the check has failed to arrive. After looking online and finding hundreds of complaints about this bank, I am reporting it. It is a travesty when most bankruptcy occurs via medical debt, and our health insurance system is broken, and powerful interests want to eliminate Medicare and Social Security, and etc., that people who save money for health care are being treated like this. I tried to close this account on XXXX, XXXX, XXXX, and XXXX. Believe me, I have complained to them with increasing intensity. Apparently the bank changed in management during this period, however, the same problem has occurred with both the old and the new management. Something needs to be done. Thank you XXXX XXXX. I never expected to need the services of the CFPB. I never expected that an actual bank could get away with something like this. Also, I believe Optum is owned by XXXX XXXX. Is this not a major health insurer? This is just a travesty, that these big corporations who hold such power are failing so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Someone working within Credit Acceptance Auto, illegally charged and stole money off 11 months of the entire car loan with them, ruining my credit, as well reporting false information as well. I went to an accountant and they came up with {$1000.00} in stolen money they charged if excess fees. They only charge {$5.00} a month in late fees, which is stated on the contract I have from them... They also did not honor covid assistance, reported late payments when they said they would not during covid, they also reported several times 30 days past due when I was only a few days past due. They also reported a past due amount of {$300.00} in XX/XX/2021, when in fact I was not!!! Balances should never go up but as one can see with the image I attached, it happened, their cap for a monthly late fee is {$5.00}, not {$10.00}, nor {$100.00} etc, I attached the proof of the illegal fees ranging from {$40.00} to {$100.00}, as well as the reported {$300.00} past due, in which one can clearly see, I was paid for XXXX and XX/XX/2021!!! Then they tried to cover it up by clearing what they reported in the XXXX report! That is attached as well ... Also the interest was already accumulated in the total loan, from the beginning of the loan, not monthly excessive fees because I was late or even on time from the 4rth month it the loan. None of this was in the contract, which is attached as well. This from what I read has been a common practice with this company over the years from lawsuits to complaints of the same nature! I also had to hire a Credit Firm to help with this as well as spend money for the accountant for this illegal nonsense! Also have many many recorded phones calls of lying straight to me, as well as a response from an Attorney they used, lying regarding this situation as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX 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 consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  / XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date OpenedXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, 2019 Wells Fargo closed my account for no reason after banking with them for 2 years. This greatly inconvenienced me as I had to find a new bank, open a new account and update my direct deposits and payment methods. When asked about why my account was closed, they had no reasonable explanation. Due to this, I would like to take part in the class lawsuit currently against them in order to be compensated for my time and money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.

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 2023-09-28
Company: EQUIFAX, INC.
State: MA
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:
DEAR EQUIFAX ; XXXX XXXX XXXXXXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Chime Financial Inc
State: CT
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:
Hello I am making a complaint against Chime bank. There were a few unauthorized transactions occurred on my account. On Saturday XX/XX/2022 at XXXX XXXX  a unauthorized transaction occurred that was {$210.00} from XXXX and another one at XXXX XXXX  for {$210.00}. At XXXX XXXX  I received an email saying my debit card was declined at XXXX for {$210.00} because I have disabled international transactions and still was charged. I was asleep during this time, I called Chime multiple times and they said it had to wait until it wasn't pending anymore and I waited. Once it settled I called back and filed a dispute on XX/XX/XXXX. They gave me provisional credit of only {$210.00} on XX/XX/2022. XX/XX/XXXX, they send me an email saying they concluded no error occurred and provisional credit will be reversed and the claim is closed. I called and talked to a manager of chime and they told me I could rebuttal and reopen the claim because on the transactions it says XXXX XXXX and I live in the United States. Thats a whole different country where the transaction was made. The lady told me to email them the proof I was in the US and I did and told me it would take a few days to review the claim again. An hour lady I receive an email stating no error has occurred and claim is closed. I called back and talked to a different manager and told them what had happened and how did they review it so fast when the lady told me it would take a few days. It's like they never reviewed it. She then tells me that I need to call the company and ask for the money back but I told her I never made the transactions so why would I need to call them? I asked them to call them and they refused. They sent me documents of why the claim was closed. It says were there any personal belongings stolen? and it says wallet. I never told them my wallet was stolen. It was still in my possession and my pin is not in my wallet as well. My pin is memorized in my head. I will attach all documents and hope you guys will be able to help me out! 
Theres still another claim going on with them that is pending but I called for that one sooner then this one and it happened the same day. 
One transaction is for {$110.00} by XXXX from XXXX XXXX and I live in the United States. Another one for {$210.00} from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX  and again I live in the United States. How did the one I filed after this get closed sooner? I couldn't file them together because the guy said the transactions had to settle first. 


You can email me back at XXXX or call at XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person, I am a living human being.

Equifax is governed by 15 USC 1681 and have continued to violate my rights. This company has also received action by CFPB for its fraudulent practices and misreporting of consumer information. Equifax continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX in the amount of $ XXXX that is misreported on my file. This account XXXX must be removed from my Credit report and Equifax held financially accountable for their false reporting of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am unable to log into my Capital One Online account. After submitting documents verifying my identity, Capital One still can not resolve this technical issue. I have spent over XXXX hours with Capital One representatives and still this issue can not be resolved. 

In the latest attempt, Capital One rep, removed my Venture credit card from my Online Account and tried to re-associate this back and was not able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove this inaccurate information from my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number 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 2021-05-12
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: Personal information incorrect

Complaint:
I have NEVER lived at XXXX XXXX XXXX in XXXX NY they have XXXX XXXX XXXX XXXX NY on my report and i requested to be remove the representative was rude and hung up on me. They have most of my letters with my current address.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There is a collection on my report which is fraudulent. I filled a dispute with transunion and nothing was done. I have already had this fraudulent collection removed from my XXXX and XXXX  credit report they both agreed it was fraudulent. I talked with XX/XX/XXXXwho is supposedly the original creditor and they have no record of me ever having an account so there is no way i could have a collection.

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 2022-03-31
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, I received communication that I had to renew my IBR before XX/XX/XXXX to be eligible. Around XX/XX/XXXX, I submitted annual recertification through the AES website which they sent me a letter on XX/XX/XXXX that I would have to pay {$10.00} every month based on my income. In XX/XX/XXXX, I submitted new certification documentation because my income was absolutely XXXX because I would no longer receive unemployment which was my income at the time. So for XX/XX/XXXX, they send me my IBR approval request of {$0.00} but are still charging me the {$10.00} for the original plan which I contacted them and asked them why? I had never had this issue before and my income had been higher at other points, such as $ XXXX which is more than the $ XXXX XXXX received for my unemployment for that year and my Ibr would always be {$0.00}, so why did this amount change and they said that I had to pay it? Trump had a freeze on student loans which started in XXXX XXXX and President Biden has extended to XX/XX/XXXX, so why did AES take my account to collections for {$10.00} when there is a freeze on student loan payments and since there is a freeze, I wouldnt have needed to submit recertification documentation until after XX/XX/XXXX? This is ridiculous and an insult. I sent in my paperwork on time and the second time as well. It isn't my fault they didnt answer my recert until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IN
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:
Company has violated my right to privacy They have furnished my information without my 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 explanation