BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Who gave the XXXX the right the issue me a debit card for my unemployment money? 

I don't agree that I should have to pay any money not even an ATM charge to get my money out because I didn't want this XXXX  card to begin with. And if I'm not able to take all of my money off the card then I'm being forced and XXXX in the XXXX by having to pay a fee to get my own money. It's just another way to XXXX you by the government by adding yet an additional sir tax on you. These debit cards are XXXX us and depriving us of our rights while the government is trying to abolish cash. Once they do this they'll have everyone by the XXXX. Just like they did with the cell phones and XXXX did with 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 2021-06-10
Company: EQUIFAX, INC.
State: NY
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:
This agency is in violation of 15 U.S.C. 1692g. They were supposed to notify me of this in writing 5 days prior, & I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: USCB Corporation
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 status incorrect

Complaint:
I am a XXXX at XXXX College. Im paying {$49.00} a month every month direct deposit to the school. However, they are reporting my account negatively on all three credit bureaus as an open collection as if Im not already making monthly payments of tuition directly to the school from my bank account each month. This is negatively impacting my ability to secure a home loan and provide shelter for my family. This is causing me economic harm.

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 2021-10-18
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Santander Consumer USA Holdings Inc.
State: MD
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 dispute all of the information Chrysler Capital has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that Chrysler Capital never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the Drive was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has street spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to Chrysler Capital will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXXXX/XX/XXXX - I have no knowledge of this collection account. 

XXXX XXXX XXXX, XXXX XX/XX/XXXX I have no knowledge of this collection account. 

HARD INQUIRIES - I have no knowledge of these hard inquiries. 
This inquiry could stay on your report until XX/XX/XXXX. 

Inquiry from XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX DUP INQUIRY ) XXXX XXXX, CA 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 2021-05-06
Company: UNITED BANKSHARES, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During 2020, my bank account has been charged upwards of {$1500.00} in overdraft fees. 
I have a bi-weekly direct deposit. This has created vicious cycle & many financial woes. 
I have tried to explain that during a pandemic, my bank should also be willing to assist like many other financial companies. 
I would like them to consider refunding more than one or two fees. 
I have also been charged overdraft fees when I make a transfers between my account at the same institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$4900.00} XXXX  XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am experiencing serious issues with Experian. They have not allowed a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  check time obtain rental history verification. XXXX XXXX XXXXXXXX XXXX phone number is XXXX. The application # is XXXX. The harassment from several Apartment rental companies is on going. XXXX XXXX is another agency that has information on their files under my name to prevent me from being able to rent property. This leasing company received this information from XXXX XXXX with XXXX XXXX  in XXXX VA. XXXX XXXX is the most racist person I have ever come in contact with besides the XXXX and XXXX XXXX XXXX XXXX I am and have experience many forms of harassment from the police since while living here in XXXX and XXXX XXXX VA. There goal has always been to keep me from jobs, employment, and speaking out against the wrong that they practice against me daily. My complaint is for now against XXXX XXXX and Experian. XXXX XXXX  information is not accurate because I have paid all I owe to XXXX XXXX. I was involved in a car accident that left me injured and I needed physical therapy. I was unable to work. I explained myself to the leasing consultant. I did receive a settlement from my attorneys and paid all that was owed. Experian is refusing to update fraud alert on credit report and or file. In order for me to have a place to live the company has to verify my Rental History. Please assist with this. Thank you. 

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have 2 XXXX XXXX accounts. I paid the balances down to {$0.00} on both accounts on the same day but 1 of the accounts is still showing late but the account is current. ( The account with the {$500.00} balance ). Please fix this.

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 2020-04-28
Company: COMMERCE BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/2020 informing me that my credit card was closed. No reason was provided. I had an {$8000.00} line of credit with a XXXX  balance and zero late payments. I had been a customer in good standing for 13 years. The closure of the account will harm my credit score and credit in general. Since there was no rationale and I have been an excellent customer I demand my account be reinstated in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I AM INVOLVED NOW WITH WHAT APPEARS TO BE AN INTERNET DATING SCHEME WHERE I WAS FRIENDED BY A WOMAN WHO FELL IN LOVE WITH ME AND ENCOURAGED ME TO WIRE A LOT OF MONEY TOTALLING XXXX TO A XXXX LIKE SITE WHICH I THOUGHT TO BE XXXX  BUT IS NOT AND WHEN I ATTEMPTED TO GET MY MONEY BACK THEY WON ; T. I WIRED FROM THE BANK OF AMERICA WHO I HAVE BEEN WITH FOR 40 YEARS. EACH TIME OF 6 I WENT NO ONE EVER MENTIONED ANYTHING TO ME ABOUT POSSIBLE FRAUD, AND BECAUSE I WOULD HOPE THEY WOULD KNOW MORE THAN I DID, THEY WOULD HAVE AT LEAST ALETED ME ABOUT WHAT I WAS DOING AS I RELIED ON THEM TO KNOW MORE THAN I WOULD TO PROTECT ME. NO ONE EVER TOUGHT TO ASK ME BUT WHEN ANOTHER ACCOUNT WAS DEFRAUDED FOR XXXX THEY AUTOMATICALLY CLOSED THAT ACCOUNT WITHOUT EVEN TELLING ME. I HAVE ALL THE DETAILS AND WISH TO COMPLAIN TO TRY AND GET MY MONEY BACK.THE WEBSITE IS 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 monetary relief
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Peak Acceptance, LLC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I logged into the payment portal for Peak Acceptance , LLC . I received an error message that stated that I could no longer account through the website. Contact your loan servicer. I called the toll free customer service number for XXXX XXXX XXXX and the message indicated I was to call another number XXXX. I called the number that went straight to voicemail during normal business hours. Odd. So, I called the customer service # associated with Peak Acceptance-About My Loan. XXXX. I got a hold of an associate that told me that the no longer serviced Peak Acceptance and provided the same XXXX number. I tried calling several numbers that I had and left a message for a person named XXXX XXXX, Peak Acceptance- prompt XXXX. I went on XXXX XXXX and found that my loan was indicated as closed and paid in full. I was confused because I still had 10 months left on my loan. I had not received any communication about changes to the pymt portal nor my acct. The next day, XXXX called me and said she wasnt in every day due to CoVid and gave me the new site information and apologized for the confusion. I went on to the portal and signed up. I thought it was odd that there was no account history. I paid my XX/XX/2020 bill with a few more $ . I called the new customer number and spoke to a XXXX. I was hoping to discuss my account I see if they had my account information. I waited for a Spvr and one was not available. After, another review of the new site, i saw that they had a chat feature. I made an inquiry about a late fee. Today, I got a call from XXXX who stated that the late fee had been waived but wanted to know about my XXXX payment. I was shocked. I let him know that there no issues with payment and suggested that he or someone from this new company contact the old one as my XXXX payment was made, He said he could send me a print out of my payments but would accept any information I had related to my past payments nor receipts. I asked to speak to a Spvr and again ... no Spvr as he stepped away from his desk. Odd ... this was the second time this mysterious Spvr was not available. I sent my receipts through the chat feature anyway. I also checked my credit again and the only information in reference to Peak Acceptance other than the closed-paid in full. What is going on with this company? Is this a real existing company? Was there a sell out, closing or a real company that owns my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

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 2021-10-18
Company: EQUIFAX, INC.
State: TN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion reported XXXX XXXX at 55 % utilization. Deducted 12 points from credit score. This card is paid in full if used at all in 1-3 days after utilization. Balance presently is zero.

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 2020-04-29
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime closed my account for no reason and wont Open it with over XXXX in it. 

I have sent the documentation multiple times and they wont accept it. Closed my login to the account. Theyre stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}

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