BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: CT
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:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

" XXXX  aka XXXX '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" XXXX aka XXXX '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" XXXX aka XXXX '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XX/XX/XXXX and XX/XX/XXXX. 

" XXXX aka XXXX '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with XXXX aka XXXX. 



ALLEGATIONS/COMPLAINT : - '' XXXX aka XXXX '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' XXXX  aka XXXX '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " XXXX aka XXXX '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 is missing that should be on the report

Complaint:
I had previously written three letters to XXXX and Equifax requesting that they update their records and update my new address, XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I just wanted one address, one employer, and one phone number listed on my credit report, but these credit bureaus have yet to update my personal information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
According to CFPB RULES, in the complaint Nos. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX I, XXXX XXXX XXXX ( XXXX ) pursuant to and under 15 USC 78c and so forth, etc.,. I ( XXXX ) was told by your employee to allow your company 15 days of investigation and process of an complaint. Well when I placed the first complaint I told them that I had two complaints and I was told by your employee to wait for the first one to see what happens. Anyway, I placed the second one on XX/XX/XXXX and within 24 to 48 hours later I was phoned by your { assumingly } employee that she was calling me on the behalf of Wells Fargo and that the case was closed. Then within 2 weeks later I received a bogus, pranked, unprofessional letter from Wells Fargo with overlapped information from XXXX XXXX writing on the behalf of Wells Fargo regarding my current bank accounts numbers in which this is not my complaint. My complaints about both banks were as I filed in the complaints itself. Please reflected back to the previous filed complaints and I, XXXX XXXX XXXX pursuant to and under 15 USC 78c for both banks. Mr. XXXX XXXX, XXXX and or company President at XXXX XXXX  had sent me a question on my online banking of how much but I did not respond because I only want the monies that I either had going or put in the accounts by payroll deductions and or deposits plus the showing of monies entered into my account that I had expected it and more to come to. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ( Cell ) XXXX ; ( Email ) XXXX Be on the look out for the faxed letter of supposedly Wells Fargo letter dated XX/XX/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 2022-02-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had serval fraudulent credit cards opened in my name. I reported them 2 of the 3 were taken care of but the XXXX one citi bank hasnt resolved my issue. And I have called multiple times and reported on line multiple times and they are no help.

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 2018-08-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH XXXX AND EQUIFAX. I received a letter from XXXX on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from EQUIFAX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2023 I learned that I have an account with XXXX XXXX XXXX with a balance of XXXX. 
On the night of XXXX I called XXXX XXXX  XXXX only to discovered that I was an authorized user to that account that owe the money. I was only XXXX XXXX XXXX when that account was closed, according to XXXX XXXX XXXX XXXX XXXXXXXX check and made sure that under my name and social security number there werent any account and they were able to remove me as an authorized user from the account that night. 

My issue is that EquiFax will not remove the account with balance from my credit report because I cant provide them with any proof. I cant get XXXX XXXX XXXXXXXX to send them a proof because I dont have account with them. 

Please help me, I wont be able to get a mortgage with this on my credit report. 

Please reach out to me if you need any further information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SYNCHRONY FINANCIAL
State: NV
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 did not authorize this company to do any hard credit inquiries. I have nothing to do with them or did not apply for anything in the past 60 days with any 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: TN
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:
I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXX BANK. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.

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 2023-02-07
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been searching for a home since last year. I locked in a rate with XXXX by paying a returnable {$500.00} fee if I dont get approved. I finally found a condo and put in a offer. I was pre approved for 20 % down. I was also told the rate expired so it went up. Fine.. We did appraisal and investigation beginning for escrow, which opened on XX/XX/XXXX and closes on XX/XX/XXXX. 9 days before closing, they let me know I will have to sell my car and put a 25 % down. When I asked for my deposit back, the agent let me know it already went towards the appraisal. A few weeks later I get hit with another {$590.00} bill from the company. I later on find out its a bait and switch scam.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on Experian dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.

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 2022-02-19
Company: Experian Information Solutions 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent MOUNTAIN AMERICA CREDIT UNION a usps money order with stipulations and provisions on the money order stating the following I accept your offer in the amount of {$700.00} for valuable consideration & tender this payment for the complete amount in accord & satisfaction upon redeeming this instrument. 

MACU accepted my money order through the mail according to postal rules, and is not recognizing the debt paid in full. As a fiduciary holding my property in the form of my signature they are not doing their trustee duties and stating I owe the debt still, which is extortion. I placed on the money order XXXX XXXX XXXX XXXX that states a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

And if MACU doesnt accept my payment the debt is paid in full according to UCC 3-603. 
By not following or recognizing my negotiable instrument with UNIVERSAL COMMERCIAL CODES ( MACU ) is partaking in fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My XXXX XXXX XXXX has been frozen due to 3 banks on my credit that i know absolutely nothing about & this stopping my credit from going up the way i need to

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 2021-08-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a complaint about Golden one credit union, report # XXXX open case, I tried to remember all the unfairness I want to also mention the excessive fees that went along with all the charges from the Landlord unauthorized amounts the bank gavith then took it back all the over fees of {$30.00} each over the limit because of no fault of my own. I sent you the proof through mail the complaint was online the bank transactions statements shows all excessive fees that really killed me. please add to the complaint Thank you again for helping me. I am disabled and on a fixed income the unauthorized transactions all the fees left me in RED litterally. im so stressed out upset worried.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Capital One XXXX XXXX credit card. I accumulated XXXX reward points on this card. On XX/XX/2022, I received a letter from CapitalOne and informed me that the account was closed on XX/XX/2022 due to inactivity. However, this was the first time that CapitalOne contacted me regarding this account ( and I do have multiple accounts with CapitalOne ), and did not allow me an option to either keep the account open, or to redeem my reward points. I already contacted customer service, and opened a case # XXXX to request that I get the opportunity to redeem the reward. A few weeks afterwards, I got a letter in the mail stating that they would not allow me to redeem the rewards. Capital One unilaterally closed this account without proper notice to me, and by closing this account, Capital One refused to honor the XXXX reward points that I have accumulated. It is an unfair business practice to cancel member 's account unilaterally without proper notice in order to avoid honoring the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently filed a claim for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. 

I sent over all the necessary documentation to Chime ( including a dated credit slip screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. 

Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.

Company response to consumer: Closed with explanation