BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: PA
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 fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.

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: Account information incorrect

Complaint:
Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime is holding my deposit of {$5600.00} for over 4 business days for no reason. The EFAA of 1987 states my funds should be available no more than 4 business days after deposit. I have no history of bounced checks, my account has been opened for over 30 days, and my account is in good standing. Chime is blatantly disregarding the law because of a policy change in XX/XX/XXXX. Furthermore, the first {$200.00} at least should have been made available within 24 hours of depositing, that has also not happened. I have tried to rectify the situation with chime and they state they cant do anything because of the new policy. Policy does not trump the law and the law states I have a right to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried calling this company a couple times to verify the debt and asked them to send info to me ( They never did ) I also tried disputing the medical debt on my credit report to no avail.I was a victim of an assault in XX/XX/XXXX and was sent to a hospital without my consent and left within an hour and walked home... I never received any information from the hospital and on XX/XX/XXXX this debt was sent to collections for {$5600.00} from a collection agency named AARGON AGENCY ... .This too me is fraud and should be taken off my credit report ... .No knowledge of the company ... .Please help me resolve this matter Thank you 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 2022-07-12
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've been looking to dispute with this for a while but wasn't sure how or to whom. In XXXX I thought I was donating {$500.00} to a non profit school  that turned out to be a scam and requested a refund from receiver and the company to contact the receiver because me still thinking is legit wanted to file taxes on what I did. I honestly waited because the communication and lack of options to turn to became overwhelming. I've disputed others but my main complaint is not just receiving proper communication but also their representatives not giving accurate or informative resolutions, Ive had two smaller disputes with them that they clearly needed to credit me or resolve with the receiver and nothing was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023 I sent formal complaint to the three credit bureaus XXXX, Equifax and XXXX requesting all documents be sent to me to verify this account on my 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 XXXXXXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My XXXX account says I owe {$35000.00} in principal for my student loans. Mohela 's website agreed with that amount on XX/XX/2023 when I paid that amount in full to them. 

Now they are saying that I owe them $ XXXX more than that in principal plus some interest that was added on to my account during the payment/interest pause. 

I want my account on Mohela to line up correctly with what is on XXXX and reflect that I paid the full amount of principal that I owed and then I want the interest that was added to my account removed because I do not owe that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES/PHEAA closed the previous complaint. Re-opening as a new complaint. This complaint is not a duplicate because they never resolved any of the concerns related to that complaint. 


We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Past inquiries were made to AES/PHEAA to prevent certain AES/PHEAA employees from accessing my information. This is my right to prevent any targeting against me by any AES/PHEAA employee . Any employee encounter that I've had at AES/PHEAA where the employee raised their voice, had tones of sarcasm, tried to bully me or tell me what to do are hereby barred from accessing my information indefinitely. Any attempt to access my information by any one of these employees will be seen as an act of retaliation or defiance. I may occasionally send Freedom of Information Act requests to force your Agency to provide security details as to who has accessed my information or if that information can only be privileged to Federal Agents, I may engage an attorney to obtain that information. Unfortunately, because of the incident that occurred in the past with an employee by the name of XXXX, I can not trust your Agency to employ the right individuals to protect my information or keep it from getting into the wrong hands. This is a serious demand and I would strongly suggest you oblige. I would also strongly recommend screening some of these employees for mental health issues or substance abuse. It is not normal for employees who are supposed to act professional to act the way they have in the past or that way at any time in the future. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received.

XXXX XXXX XXXX is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX failed to provide the name and address of the original creditor.

XXXX XXXX XXXX continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX  committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my report with your company and I would like for you to remove the previous addresses. I no longer live at those addresses and I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I requested that Equifax investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Central States Recovery, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas Area XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX 3 XX/XX/XXXX/XX/XX/XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both Feet  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 XXXX XXXX XXXX XXXX XXXX {$1500.00} 2 Central States {$190.00} 3 Central States {$610.00} 4 Central States {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of XXXX XXXX XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was  {$500.00}, Not {$1800.00} Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2019, I applied to consolidate my six loans through the federal government in order to secure a fixed interest rate on a single loan. After submitting my application, I received a notification that FedLoan Servicing would be sending me new loan information and payment details once they processed my application ; however, this information never came. As the months went by, I would receive billing email notifications from FedLoan Servicing detailing that my payment for the month was " {$0.00}. '' I also received an electronic letter from FedLoan servicing that my loans had been paid in full, which was misleading. During this waiting period, I had called FedLoan Servicing on numerous occasions to inquire about my loan consolidation application status and loan/payment details, to which I received the excuse that my new loan information must have gotten lost in the mail and I was assured that they would resend it. Prior to applying to consolidate my loans, I had been paying {$380.00} a month for six months and had managed to pay off all of my interest on my student loans. While waiting for FedLoan Servicing to provide me with my updated loan information, which ended up being six months, I accrued {$810.00} in interest, which I do not feel I should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a call which looked like it was from US Bank customer service about a possible scam or fraud on my US bank account using XXXX. I put the person on mute and checked the phone number to make sure it was a legitimate phone number, it was. It was the phone number listed on the XXXX search for US Bank customer service. The woman on the phone told me that it looked like there was a {$2000.00} charge with my XXXX account. I did not know what XXXX was at the time, I had never used it before. She asked me to open my mobile banking app and that we would look at it together. Thinking that it was someone from the actual US Bank customer service line, I opened my app. After opening the app, she asked me to click on the XXXX button at the bottom of the screen. When I did this my phone made the sound that sounded like money was being sent kind of the whoosh sound and immediately {$2000.00} was gone from my banking account on authorized by me. As soon as it happened she got very sketchy and immediately got off the phone. I hung up and immediately called my local branch and they helped me put a hold on my account and I went as soon as I could and reported everything. I was told to make a police report and have done that. I have been fighting US Bank since XX/XX/XXXX, we have open four different claims on this incident. US Bank tells us there is nothing that we can do except to sue the person that did this, I have no idea who did this because they called from a number that was US banks. I am at a loss of what to do 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 2023-01-26
Company: OneMain Finance Corporation
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:
I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX  Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 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 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.

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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: PA
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 notification that all my account with Chase will be closed. Including checking and XXXX credit cards. I have never been late on any of my payments, and do not have any idea why they closed my accounts. Mostly pay off the card in full each month. When I call the bank they will not provide a reason and just read off a generic message. I do not understand how Chase gets away with closing accounts for no reason, destroying peoples credit and don't provide an opportunity to explain whatever their algorithm deemed dangerous or whatever. 

I completely understand if there was something illegal done, but I have not done anything wrong or illegal. I demand an explanation! And CFPB needs to investigate Chase for their practices that harm peoples credit. Just in my circle of people I know at least XXXX other people that this has happened too. That's way to many people for this to be a random act. As one of the biggest credit providers in USA, Chase can not and should not be able to have a say in just closing down accounts for whatever reason they see fit.

Company response to consumer: Closed with explanation