BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was newly released from XXXX  I was in from XX/XX/XXXX XXXX and Ive got out XX/XX/XXXX XXXX and I've seen some unauthorized transaction made on my debit card... I have document that shows I was XXXX XXXX  when the transaction happen .... I reported my card stolen from the bank and made a dispute when I called and spoke to customer service ppl... I fax them my release paper XXXX XXXX  but they denied me twice and I don't know why.. cause Ive showed proof of me being XXXXXXXX XXXX  The amount claim is {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: RS Clark and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan # XXXX is with a mortgage company called MrCooper. they added over $ XXXX to my mortgage principal in 2021 without cause or explanation, have not credited some payments and have added late fees when none are applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: WI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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. 

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 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 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MN
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:
Attached is a letter from XXXX XXXX for proof of payment of the the following credit card accounts listed on my XXXX and Equifax credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want XXXX and Equifax to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report 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 explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MN
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-06-19
Company: EQUIFAX, INC.
State: VA
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 Act XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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 Act XXXX XXXX XXXX I 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 an 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 


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 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
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:
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.. 


XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inqiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/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 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 rep 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 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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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

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 2023-07-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX XXXX I met with XXXX XXXX XXXX XXXX of Citibank in XXXX XXXX Florida. Branch address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her I was signing up for a special promotion I saw for {$2000.00} to open a Citibank business account and fund it with XXXX min for the required depsoit period. This applied to all citi business acounts at the time. I opened a chjecking account and a money market account. I never got the {$2000.00} signup bonus although I qualified for it. I called the toll free number on XXXX at XXXXXXXX XXXX and somebody in the XXXX told me she knows nothing about this. I understand that other Citibank business customers are not getting the proper bonuses as they should be. This seems to be a widespread problem that needs to be resolved. I could have gotten higher interest at other banks, however I took the Citibank offer and they do not want to pay the terms of the offer.

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 2022-12-13
Company: EQUIFAX, INC.
State: MN
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/XXXX that was not credited to my account. I made 3 additional payments to the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have attempted to dispute this, multiple times. The timeline is as follows : a ) XXXX dispute no one at GS gave me a number for this one. When the XX/XX/XXXX payment came in, they claimed that was the missing payment ; but if that is the case then they never credited me for the XX/XX/XXXX payment. But they do show a credit on XX/XX/XXXX. It is hard to know which of the two payments they credited b ) XXXX this was a payment dispute. When the support person contacted me and asked me to send the cancelled checks as evidence this was converted to a Name Change request because GS only has one form to request documents and that form is a name change form. I both physically mailed the evidence of the cancelled checks ( in XXXX ) AND emailed it ( XX/XX/XXXX ). I noted in the cancelled checks that were sent that this was a payment dispute and NOT a name change. ( This dispute was initiated in XXXX ) c ) XXXX I received a response saying that the previous dispute was closed without crediting my account with the {$250.00}. They sent me a generic email saying they tried to contact me. They did not give me any details regarding why they did not credit. I suspect it is because this became a name change in the GS system that it was not handled properly. This occurred on XX/XX/XXXX. I challenged the lack of credit and was issued dispute # XXXX. 
d ) On XX/XX/XXXX I received another email saying they had tried to call me and had resolved my dispute. When I called, they said that the dispute XXXX was still open. When I challenged the fact that their communication ( email said something different ) I was passed to a number of people and the entire chat lasted more than 4 hours. As a part of that discussion, they opened another dispute XXXX on the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I received a letter from Wells Fargo stating that they had issued me a cashiers check many years back and it had not been cashed. The amount was {$52.00}. The letter clearly stated I should take the letter to the local branch to claim the funds. I did. The XXXX local branch ( XXXX XXXX in XXXX NC ) told me there was nothing they could do for me and I should contact Wells Fargo corporate office. I didnt like this as I would lose track of the transaction and it is timely. I have until XX/XX/19 or the funds will be forfeited to the state. I went to a second branch and they again didnt want to honor the letter but they reluctantly agreed to make an appointment the following day. This occurred on XX/XX/XXXX. I reluctantly agreed to the appointment as my costs had already exceeded the value of the debt. I showed up at the appropriate time and they were not happy to see me. They did NOT want to do this. I waited in their office while their banker made a lot of phone calls. After XXXX minutes the banker presented me with a document to cancel the original check. I questioned the document and asked that am I forced to sign the document in order to get my {$50.00}. The banker took offense at this and stormed off taking the form. I left after telling the office manager that I felt that I was being put off in an effort to avoid paying the {$50.00}. The second branch was the XXXX NC on 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 2022-01-31
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: Their investigation did not fix an error on your report

Complaint:
The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAPIO PARTNERS would verify the debt. So I took it upon myself to ask CAPIO PARTNERS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: MO
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:
EQUIFAX IS NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. I submitted disputes XX/XX/XXXX and have not heard anything yet. Tomorrow, XX/XX/XXXX makes 45 days and they are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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:
The following accounts have been sold without my consent and many inaccuracies with the payment history, status, balance, monthly up-dates. I have disputed the validity of the same accounts with no success. The accounts are in violation of 15 USC 1681. Removal of these accounts are required from Experian, XXXX and XXXX - XXXX XXXX XXXX sold to : XXXX XXXX XXXX Acct : XXXX - XXXX XXXX. 
Acct : XXXX OR Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX  XXXX . 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX  XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX XXXX XXXX ( no info. ) Acct : XXXX - XXXX XXXX XXXX Acct : XXXX -XXXX XXXX Acct : 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