BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MO
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:
Time has already passed but up until now, I havent heard any kind of response and this was my many attempts from the 3 Credit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to delete these Charge off and late closed accounts : XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX Balance Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/23 that two of my Chase credit cards are being closed for unexpected activity. Upon receiving this letter I called Chase immediately to try to understand why this is happening but they refused to disclose anything to me. At this point, I am left clueless and afraid about whether they intend to close my chase bank account or whether this will affect me or my family in any way. All Im asking is for a legitimate reason and I am not entitled to XXXX. This is a deliberate abuse of their power as a financial institution. They accuse, prosecute, and condemn without any recourse or transparency. If you could help in any way, it would be greatly appreciated. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: OPTUM BANK, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with Optum Bank that is supposed to distribute funds to me for my transportation expenses associated with my employer. However, Optum Bank has continually denied my requests for reimbursement of transportation expense because they claim that my request was not timely filed. According to their own rules, however, this claim is false. As you can see from the submitted evidence, in Question number 10 on Optum 's FAQ regarding transportation services, " you must file claims within 180 days of date of service. '' I filed my claims on XX/XX/XXXX for expenses incurred from XX/XX/XXXX through XX/XX/XXXX -- well before the supposed 180-day deadline. I received a confirmation email from Optum Bank on XX/XX/XXXX confirming submission of my claim. Yet when I followed up with Optum Bank on multiple occasions via telephone and email, customer service representatives and managers continue to deny my claims because they say I had to file within 60 days of the date of service, which is in direct contradiction to Optum Bank 's own rules they disseminate to their customers.

It is my belief that Optum Bank is making up rules as they go along with the intent of denying rightfully submitted claims to their customers. They are doing this because they are greedy and unethical. Please assist me in getting my rightfully deserved reimbursements from Optum Bank. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened up a Target credit card under my name. I received the actual card in the mail and then contacted Target fraud department letting them know that I had never applied for the card. They have since canceled my card and asked me to report it to CFPB. I have also put a fraud alert on my profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated an instant transfer from Venmo on Wednesday, XX/XX/XXXX, XXXX. It was supposed to take 30 minutes, at most. It's now been a week, I've contacted Venmo numerous times. They give me a couple codes to provide to my bank but I've talked to multiple people at the bank 3 times now, and they said they don't know why Venmo would ask me to do that, because they can't legally troubleshoot with a third party, which is what Venmo is. Now the customer support at Venmo is saying they're " sorry they couldn't help me further, '' effectively stealing what little money I have to feed my children, and telling me there's nothing further they can do. This is the second time they've stolen hundreds from me in the last several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage requires an Automated Valuation Model ( AVM ) to remove our monthly PMI payment and requires the homeowner to pay for a new property valuation. The burden of proof for a property valuation reduction should fall to the party assuming this reduction. A current public valuation model assessment places our debt to equity ratio at 56 %. Wells Fargo Home Mortgage position on this matter is unreasonable and predatory.

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE BANK CLOSED MY CHECKING ACCOUNT WITH ONLY AN EMAIL NOTICE AND WOULD NOT GIVE ME A REASON. THEY ARE HOLDING MY FUNDS AND NOT RETURNING MY MONEY TO ME TO THE TUNE OF {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify 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 need to be investigated and deleted 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 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2023-08-18
Company: EQUIFAX, INC.
State: KS
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Capital Bank Is fraudulently charging late fees to my account after the statements were submitted and when it was paid in full. I paid in full and closed out this account in XXXX of XXXX due to the constant fraudulent charges being placed on my account by CCB. CCB then charged over XXXX  in late fees after I had closed out the account with a XXXX balance. My credit score was being effected by these erroneous charges so I paid off the incorrect balance {$120.00} on the card yet again in full XX/XX/XXXX. I have asked for transcripts or copies of the records/ recordings of and for my calls and payments due to charges being paid in full and after processing other charges being added. I was told on XX/XX/XXXX by a CCB manager that I need a subpoena to receive these records. After reviewing the XXXX XXXXeports this seems to be a constant complaint against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page XXXX XXXX XXXX of the federal consolidation loan application and promissory note. XXXX send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. XXXX without the Disclosure Statement and Repayment Schedule means no money was distrubited. XXXX on page XXXX of XXXX of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX why? The loans listed on page XXXX are not my federal student loans. XXXX send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
XXXX you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. XXXX you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. XXXX you have damaged me. XXXX it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint XXXX does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file. 
XXXX send me the Disclosure Statement and Repayment Schedule now.

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 2023-09-02
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX 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 says 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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
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 have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with XXXX. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

XXXX had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ). 
Upon conducting a XXXX XXXXXXXX XXXX  credit history, I discovered a substantial number of billing issues under 15 U.s. code 1666 b, Se billing errorD. 
( 4 ) The XXXX XXXX XXXX XXXX XXXXXXXX obligation payment or credit that was given to the debtor on a statement. It XXXX | ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 


I recently pulled my credit report from XXXX and noticed that, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXis reporting late. I was not late .Please update these accounts.

Company response to consumer: In progress
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Twice, I have mailed letters requesting inaccurate information be removed from my file in Transunion 's office. I sent my requests with proof of ID and verified my SSN, my address, the current date, as well as clearly stated my request, my objective, my ID, and anything else. Twice, Transunion mailed generic notices back acknowledging that " someone '' tried to access my file but since they couldn't verify my identity they won't do anything. These notices do not say what I could have done differently to get my request processed. I sent a copy of my driver 's license both times. When I call them, I am unable to speak to any live representatives and the automated system have no helpful options for me. I have since suffered adverse action directly related to Transunion 's holding inaccurate personal and financial info, and my inability to fix it with. I was denied renting a house because the managing office uses Transunion. The second time I mailed my request to them I verified that it was me trying to request removal of bad info from my file in their office, and again they mailed a generic response that they can't verify my identity, even though I mailed a copy of my driver 's license. This is beyond frustrating, stressful, and it causes my XXXX  to go through the roof!! I need help because I can't get through to anyone at Transunion and they are wasting my time through the mail system.

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