BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXXXXXX XXXX # of account XXXX date opened XX/XX/XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
open XX/XX/XXXX. 
my last payment was in XX/XX/XXXX. 
balance XXXX help me to take this out of my credit I can't pay this credit card because of Covid19 I don't have a job and I have kids to support pls help i have been making payments to city furniture but i can't pay anymore I don't have enough for my monthly basis COVID19 LEFT ME UNEMPLOYED

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 2018-05-25
Company: EQUIFAX, INC.
State: MD
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Affirm Holdings, Inc
State: IL
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:
I booked a trip with XXXX and used Affirm to finance. Before taking the trip I canceled the trip with the travel insurance I purchased through XXXX. I have email confirmation. I submitted the information to Affirm and they opened a dispute in XX/XX/2021. I tried to have the account removed from my XXXX credit report but Affirm is saying the account is accurate and will not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: ENOVA INTERNATIONAL, 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: Account information incorrect

Complaint:
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
Applied for dispute with company at beginning of XX/XX/XXXX. My report says capital one card XXXX dollars never had a card in XXXX especially with a XXXX and something score.Other then my two new cards I have now haven't had a card since I was XXXX and I'm XXXX yrs old now. I tried to dispute through credit journey at beginning of XXXX like I said through one of my new cards application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Colony Brands, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT XXXX XXXX file on XX/XX/2015. I talked to Bankruptcy Court and  they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Chase bank in XXXX TX. Since the government start giving out stimulus checks my bank has taken it upon themselves to credit my account for money to help but it end up hurtling me and many other consumers. Because what Chase does is once your stimulus money has hit your account that give you credit if you over draw and them 30 days later they charge back that amount to your account, which puts customers right back in the hold where I was. I had {$2800.00} deposited into my account on XXXX and at that time it was over drawn {$1200.00} which was from my rent. I knew that my stimulus check would cover it and bring my account back current and I could take care of other bills. I previously asked Chase not do credit my account as they did before when I got the {$1800.00} stimulus checks and they agreed. But I checked my account today and saw that they went against my request and credited my account when it didn't need it because my stimulus check too care of the overage. Now that Ive notice what they've done its going to cause a financial hardship for me that I can afford. : ( and I really need some help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX on XXXX XXXX  of this year 2023 I had over XXXX dollars deposited to my account and every transaction posted after that is fraud. The bank only let me take out a portion on my money and I need it all back.

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 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the Bank of America branch in XXXX, New Jersey and told the teller that if possible I would like to take out XXXX XXXX dollars ( {$400.00} ). She said okay and gave me XXXX XXXX dollars ( {$400.00} ) in 4 {$100.00} bills.

Today I checked online with my Bank of America account only to be shocked that it shows a negative amount in excess of {$400.00}, including 3 {$35.00} overdraft charges!

Two major problems : One, the teller did not review my account before withdrawing the said {$400.00}!

Two, arrangement have repeatedly been made with the Bank of America for overdraft privileges against my credit card yet again I am being charged overdraft fees!

Three, the total amount here is {$500.00} which the Bank of America improperly and illegal and fraudulently took from my account. OUTRAGEOUS! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX  ( ret ) pro se PS : I am prepared to file a complaint in a Federal court of law!

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 monetary relief
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This reporting is against Capital One for unfair and discriminatory treatment. The dispute I am filing against Capital One arises out of a late payment remark that was reported in XX/XX/XXXX. Subsequently this negative remark made its way down to the credit reporting agencies however I would like to emphasize, this event would not have occurred if Capital One didnt blatantly violate my rights. Therefore my complaint is against Capital One alone. 
In XX/XX/XXXX- XX/XX/XXXX, the United States government went into a federal shutdown, resulting in thousands of federal employees not receiving their salaries. I was at the time ( and presently ) employed by a federal agency. This event was deemed a declared disaster by President Trump ( much like events surrounding natural disasters ). Capital One publicly went on record, promising relief to those affected by the government shutdown. These statement made by Capital Ones spokesperson was selectively implemented and only provided to a certain class of people facing the identical hardship. Based on prior and current practices, Capital One has offered several programs such as forbearance & payment deferrals to those affected by uncontrollable circumstances. In this instance, Ive been made aware that Capital One offered relief for some and denied relief to others. I believe this is a result of XXXX discrimination and bias practices. Capital One is fully aware of my race and ethnicity which was reported at the beginning of my contract. I would also like to point out that Capital One has been accused of promoting these XXXX practices before and consumers have been successful in their lawsuits against Capital One. 
Due to the above-mentioned circumstances, I filed a request for investigation ( XX/XX/XXXX ) and a request for reinvestigation ( XX/XX/XXXX ) only to have generic letters issued denying any relief or proof that an investigation took place. Both denial letters were issued in a matter of days. 
Attached to this complaint, Ive included my full correspondence with Capital One ( including verified copies provided by them ) and the latest denial letter received from Capital One. For a more detailed account, I urge you to please refer to page 2 of the redacted correspondence packet. This was my latest dispute letter which specifically outlines the extent of my dispute and proof that Capital One violated several consumer agency laws and used discriminatory methods to deprive me of my rights. An unredacted copy can be provided upon request. 
Again, I would like to emphasize this complaint is NOT against the credit reporting agencies and should not be treated as such. This complaint solely surrounds Capital Ones refusal to adhere to their responsibilities as a lender thus creating a domino effect because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Citi Bank had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.

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 2021-02-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In retaliation for submitting previous CFPB complaint regarding PNC Bank 's lack of concern or service regarding their allowing obvious fraud to be committed against me ( and still have not resolved beyond lip service ), PNC is refusing to re-issue bank card. Customer service remains unreachable other than one call in which I was immediately hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I lost my job a few months ago ( XX/XX/XXXX ). I did not call Navient until today ( XX/XX/XXXX ) because I figured I would have full-time employment by now. I was told I do not qualify for forbearance because I've maxed it out, I was told I do not qualify for a deferment because of the loan types, I was told I could not lower my payments beyond what they were. I do not have income or a means to pay them. I was told to contact a placement agency but there wasn't anything they could do to work with me on this. 

I am not trying to avoid paying my debts but I have been struggling with this since my graduation in XXXX. Both companies are not being held accountable for this situation yet I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a current principal balance of {$18000.00} on my student loans. 

I have submitted my XXXX ( Loan Repayment Form ) to XXXX XXXX XXXX on four different occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All occasions are documented and accounted for. 

At this time, XXXX XXXX with the Lead, Medical Incentives Branch ( DPAMM ) has not received the XXXX Form, which is necessary to pay my loan installment. My loans have been accruing interest in the meantime. 
Last spoke with XXXX XXXX Employee with reference number XXXX. She stated the from was expedited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt to XXXX XXXX XXXX XXXX was denied by XXXX XXXX IN XXXX. account was turned over to collections illegally. XXXX called and talked to them and was told they would remove the collections from my credit account. They have still not removed the collections and won't take my calls. they are ignoring me and this is hurting my credit which I need to use to renew my mortgage. I believe they will just leave this on my credit account indefinitely in retalliation for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank blocked my online account access unless i clicked that i agreed to their changes detailed in a 124 page non laymen terms document ( i took a screen shot )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: IL
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:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021, ,Continued Issues,, And What Make These Old And New Issues Look Really BAD, ,They Knew About These Issues,, They Had Pleasant Time To Fix These Issues, ,So They Should Pay ( TIME ) ) And Years, ,So In Acceptable Behavior,,

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 2023-03-06
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have complained about this company before BUT nothing has changed with billing issues. In XXXX I paid my installment amount x2 yet again. XX/XX/ paid the {$150.00} check # XXXX. Then on XX/XX/ paid another {$150.00} check # XXXX. Now expected to pay yet again on XX/XX/. I am frustrated & tired of this nonsense. With the last complaint I submitted a copy of the agreement & how the clause about payments can be misinterpreted. So now again I am being sent bill for XX/XX/XXXX payment. I want this nonsense to stop! I am attaching copy of the bill & what I faxed back to 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 explanation
Consumer complaint received 2023-05-20
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When I join the military XXXX I was told during that time, My loans would have been paid up to XXXX! I sign my life over and fought for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ID Analytics, 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:
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this

Company response to consumer: Closed with explanation