BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 as well as XX/XX/2020 there was a total of six unauthorized transactions that were posted on my prepaid account. Amounts all being {$50.00} USD and above. The company Bank Of America has done nothing to reimburse me my lost money or even allowed me to speak to someone. All they have done was close my account and I need my funds to be available to me this is ridiculous.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: OH
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:
These companies continue to show late payments for a vehicle loan that was paid off completely before the final payment terms, YEARS BEFORE.

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 2021-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At end of XXXX Cap One called to ask questions about my account activity, specifically the XXXX payments I received. I have never had a bank call to ask personal questions about my transactions, I was quite taken aback. Apparently they did not like my answers when they started questioning me about names and their phone numbers. Next I knew, when logging into my account, there was a message stating " Your funds are currently not available for withdrawal. '' Please call us at XXXX regarding checking and savings accounts. I tried calling, sometimes three times daily, but always got a voicemail, which said Leave your information, and we may call you back in 48 hours. That has yet to occur has of today XX/XX/XXXX. 2023. 
On XX/XX/XXXX I received a letter with my savings account balance. No mention was made about the checking account balance. I continued to call, and when someone answered ( rare ) I was told the account was still under investigation, and no information could be provided. I continued to call approx 4 x weekly, and have kept a diary of those attempts along with the multiple numbers I called. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-12-29
Company: Santander Consumer USA Holdings Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XX/XX/2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXX after a dispute but has left it up on XX/XX/XXXX and XX/XX/XXXX. I just received another letter denying to take it down from other two credit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: KY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-04-19
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank, PNC bank will not credit me back for the {$300.00} that I paid a service for. The service will not respond to me and has stolen my {$300.00}. I have tried appealing this decision made by my bank but they will not credit me back for the service I never received. I purchased the service in full on XX/XX/2022 which was taken from me then. I scheduled the service, and it ended up being cancelled over 4 times. The provider stopped responding to me and took my {$300.00}. PNC Bank will not do right by me, their loyal customer and give me my money back that was stolen from me. The provider was XXXXXXXX XXXX XXXXXXXX located in Oregon. This provider is extremely unprofessional due to the fact she cancelled my service at least 4 different times, dragged the service times out for the span of an entire year and has no communication with her clients. Her lack of legitimacy should not allow her to continue her business in the manner she does. I have gone back and forth with PNC Bank and they refuse to credit me back, yet they recognize what this so called business owner has done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my funds deposited from IL unemployment and Chime has locked my account! I went to pay for my daughters XXXX medication and I couldnt buy it due to them placing a hold on my card and Now she is out of medicine for the night and I hope she doesnt go into XXXX  XXXX  without it. They are now giving me ridiculous wait times to respond to my problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: MT
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:
These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working XXXX. Please remove any negative remarks from my credit reports.

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 2023-09-24
Company: EQUIFAX, INC.
State: IN
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:
I have disputed these accounts and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of these account as they are not reporting consistently I last disputed this account written on XX/XX/23 and electronically via CFPB on XX/XX/23, it is not showing a last verified date or the account status as in dispute. Equifax has reported that this creditor confirmed this account was accurately reporting, but their reporting information shows definitely since there is not a last date verified. Please remove for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Westlake Services, LLC
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 information incorrect

Complaint:
Was in a wreck, Had full coverage and gap insurance. US auto sales went out of business and put XXXX on my credit that gap was suppose to take care of. I have seen my Gap contract, it was active when the car was not totaled. I am very hurt and opposed and quite sickened because of this.

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 2023-06-17
Company: Experian Information Solutions 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:
According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

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 2023-09-24
Company: TransferWise Ltd
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a business wise account on XXXX XX/XX/2023 and then i put XXXX dollars in it to send money to my supplier but for no reason wise deactivated my account after that my money was kept by wise for 6 months Closed they gave me 30 working days every day made me wait 6 months but now I just want to know why they are not reactivating my Wise Business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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:
I am being incorrectly reported as 60 days late on my Equifax report for XXXX, XXXX for XXXX XXXX account ending in XXXX. That month was deferred, read my supporting documentation. Nowhere in the agreement for XXXX, XXXX and XX/XX/XXXX does it state that XX/XX/XXXX would be reported late, because if you look at my payment log I obtained on my account on the XXXX XXXX site, XX/XX/XXXX was deferred. I owe {$11000.00}, 6 months were deferred, add my principal paid and minus from my original {$15000.00} loan it is {$11000.00}. I was deferred XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They are lying. I am also being reported twice with the same account with XXXX XXXX on my Equifax report. I have 5 installments accounts listed and really I have 4, Equifax reported XXXX XXXX twice. All the documentation to support the above issues are attached. I have also attached XXXX XXXX  XXXX policy, which I have been affected from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is trying to get away with saying if an agreement is broken, which they are claiming mine was, it was not it was bank error. XXXX XXXX XXXXXXXX does not write letters of error as of XXXX due to liability reasons. That XXXX XXXX is saying the XXXX statement is linked to the agreement, it is not in the legal binding agreement. I was affected directly by a XXXX disaster until I received my XXXX shot XXXX XX/XX/XXXX. XXXX XXXX is directly contradicting their own website on XXXX and lying by saying according to the terms of the agreement, the XXXX statement would be taken off if the contract was broken, that is NOT in the contract. It should stay on my credit report from XX/XX/XXXX to XX/XX/XXXX. READ ALL ATTACHMENTS THIS TIME AND I WANT ALL PAPERS LOOKED AT AND MY REPORT CHANGED. I HAVE BEEN FIGHTING THIS FOR 7 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently checked my credit report on XXXX and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i ( 5 ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Casio Partners sent me an invoice months ago for a medical debt that was responded with a request for validation of the debt ( Provider name, detail of charges insurance billed ) etc ) but did not respond. 
I am a XXXX recipient and there is no record of services billed for the date of service noted in their invoice nor that of my supplementary insurance. This week a collection notice was filed with credit bureaus and alerted by my credit monitoring services. Clearly they have not complied with requirements to validate the debt they have purchased and trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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: Public record information inaccurate

Complaint:
Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -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 I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation