BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate these items. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

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 2021-08-02
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX passed away in 2017 and I have been trying to close out the account. I have contacted the bank in Florida and their office in North Carolina to try and resolve the issue to no avail. I have sent all pertinent information as requested but it seems like they are sending me in circles.

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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2019 with Capital One XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Capital One XXXX, XXXX has taken federal reserve notes every month since the initiation of consumer credit transaction. Capital One XXXX, XXXX, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Capital One XXXX XXXXXXXX have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On the XXXX of XXXX, 2021, I received a text from " Chime '' with a security code I never requested and notifying me that the phone number on my Chime account had been updated. I do not have a Chime account and never requested to open one. I found an e-mail address for Chime and sent them an e-mail notifying them of their error and alerting them to possible fraud. I told them I wanted any accounts with my name on them to be closed. This on the XXXX. " XXXX '' responded, but took no action. I replied, again instructing them to remove me from any accounts. " XXXX '' replied. I sent another e-mail, and heard back from " XXXX. '' I replied to this on the XXXX, getting a reply from " XXXX '' who wanted a copy of my driver license. I submitted it, then heard back from " XXXX, '' who asked me to submit it again, but this time in a different format. I can forward this chain of e-mails to you on request. This experience reminds my of the practice of XXXX XXXX when they opened accounts without informing customers. I have sent a request for my credit report to make sure no account from Chime shows there, and I have started the laborious task of changing all my passwords.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I was logged into my bank of America app and I noticed that there are multiple charges of {$54.00} by " XXXX  XXXX '' I didn't recognize the charges at all then I kept scrolling down on my charges history and I noticed lots of those charged in weird amounts for the same payee and I still don't recognize any of these charges, I made a XXXX search about the payee " XXXX XXXX '' and I quickly found out lots of people are posting about the same fraud issue and that it's long running scam, I called bank of America and informed them of the whole thing and started XXXX claims, reason for that is some of the charges weren't caught and had to make them separately, A few days later I was credited for the 2 out of 3 claims in the amount of {$100.00}, However the third claim in the amount of {$2200.00} was rejected and their response was " These charges were made by me or someone I authorized '', and no other explanation were given, I got curious as to why they would accept the other 2 claims as fraud and refund the money back but reject the 3rd claim just because it a higher amount, when they were all for the same well-known fraudulent payee.

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 2023-03-09
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AK XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: OneMain Finance Corporation
State: MD
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:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furn
ish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : ONEMAIN  on XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: OK
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:
My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

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 2023-06-21
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Due to my consumers report, that I requested and was aware of, theyre bank accounts, such as, Comerica Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that were opened under my social security number, with my identity. Including XXXX XXXX, I have not used XXXX XXXX since 2022. Its causing major problems with an active bank account that I actually opened myself, with XXXX XXXX XXXX XXXX, the bank locked my account because XXXX XXXX sent an alert, which is connected with Consumer Reports, that collect data from multi-million banks. This is a big problem because I never opened up an account until recently with XXXX XXXX XXXX XXXX. My identity has been used against me, & thats a federal crime, called fraud. This matter needs to be removed off my consumers report because it was not me. Please and thank you, lets fix this as soon as possible. I have a family to take care of, this is completely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been going back and forth with Wells Fargo for about two years trying to do a short sale on my home. Throughout this entire time the bank has made mistake after mistake in handling my account. They came back time after time asking me to provide information and documentation that I had already provided. They called XXXX over and over again even though I told them to cease and desist communication with him as he has medical issues preventing him from being able to comprehend such issues. Now we are finally to the point that things are moving in the right direction and we have been approved for the short sale. We have the buyer inspector coming on the property however when he comes he is making request for me to repair and fix things. I am more than happy to do so however he is making it difficult because when I fix the things that he asks me to fix he comes back and asks for me to fix more things. I 'm doing everything that I can do to work with Wells Fargo and now that we are finally at the point that we could possibly close on the house and move forward I receive word that the bank will not grant me any more extensions on the short sale. I can not believe that after all that they have done to me and my family over the last 2 years that they can not partner with me to finalize thing and give me the time needed to get the house closed. This WOULD have been do n't months ago should there have been a confidant employee handling my account in the first place. I am now so overwhelmed trying to work with this mess of a company. Every mistake that this company has made has taking so much time to fix and all I 'm asking for is the time that I need now to complete what should have been completed MONTHS ago! I 'm shocked that this company would rather sell this house at auction rather than getting the fair market value for the property. At this point I will be contacting an attorney to investigate the way my case has been handled and pursue legal action against this company.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2017-01-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Paymap Inc. issued me a {$240.00} reimbursement check due to the practices regarding the Equity Accelerator Plan. I thought this was junk until I gave Equity Accelerator a call regarding adding their services back to my mortgage because I canceled it a year ago, that 's when I was informed by their automated system of the refunds. I went through old mail that I have to shred and found the check. The check is not valid so I am asking for Paymap to reissue the check. I called Paymap to reissue the check and was told the deadline was XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been enrolled in the public service loan forgiveness since 2007 when the program started. I have held XXXX XXXX  that meet the criteria and submitted the Public Service Loan forgiveness certification form yearly. I was in the middle of loan consolidation as recommended to receive the highest payment counts. One day after my loans were consolidated, my PSLF took place and my remaining balance on direct loan were forgiven, except one. I waited and thought it was timing- after all the most current loans I had were forgiven but the oldest ones were not. They were consolidated into a new loan - I resubmitted my employment certifications from 2007. My payment account is listed as 3 on the new consolidated loans- meaning all the prior payments I made were lost in the consolidation. I am not getting anything from federal student loan- no reply 's to emails, long hold times on the phone. My payment numbers havent been updated. I have been waiting for this program to finally come together since I completed my first ten years in the public health care field. I am going on waiting for this for 15 years now- the way this program is sloppy and with no regard to us that work in public service for this loan program. I am really beyond frustrated that only half of the loans were forgiven- when I have meet all the requirements. When in fact on the new loan they consolidated all my past payments were wiped out- when they consolidated and only forgave half of the loans -- and the most current loans at that! Please help me!! I feel like I am getting no where with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2023-03-09
Company: EQUIFAX, INC.
State: IL
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 XXXX  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 In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX15 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