BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received the following text WeIIs : A Failed Paymnt attempt at XXXX XXXX XXXX XXXX MN XXXX # XXXX has been made for {$27.00} on XX/XX/2022 XXXX Stop. XXXX XXXX XXXXXXXX from XXXX ( XXXX ) XXXX. I knew it was fake because I no longer bank with Wells Fargo, and made the switch several years ago when I closed the account.

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 2018-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to provide USAA with additional prove that I was a victim of fraud back in XX/XX/2014. Again the case was tried in the court of Law by the State Attorney Generals office if Delaware Case Number # XXXX. In this compliant I want to provide USSA a copy of the Bank Wire from my personal bank account where I paid for the car with my personal funds. In addition to the documentation I am enclosing an email correspondence, in which XXXX XXXX XXXX acknowledged to have received a direct wire from me to purchase the XXXX XXXX XXXX XXXX, which provides verification of fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a account with XXXX XXXX was opened in my name sometime in XXXX the address for this location was in XXXX tn and i have never lived in this town. ive made several attempts to fix the issue with XXXX but all have failed. ive received a collection from a collection agency and this is now damaging my credit. the address for this account was XXXX XXXX XXXX XXXX XXXX XXXX and the property is owned by XXXX XXXX ive asked XXXX to contact the property owners to verify ive never lived at this address and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are unable to set up online payments as the account is 1 month behind. Talked to Wells Fargo on phone and set up payment, XX/XX/2023. On XX/XX/2023 they took out {$500.00} more than the agreed upon amount.

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I attempted to open a new checking account with BMO Harris Bank. Their website had an error and I could not fund my account online. On XX/XX/XXXX I called the bank to fund my account and finalize opening. They instructed me that their website was having issues, so I had to mail in a check to fund my new account. I did this, which took until XX/XX/XXXX to post to my account. This delayed all account transactions until then - all due to a website error on BMO 's part. 

During this time, I was required to make meet some requirements in order to be eligible for a {$200.00} welcome promo bonus. The requirements were to make 10 debit transactions + receive two direct deposits of {$500.00} each, all within 90 days. 

Due to BMO 's website error and unforeseen delay, I could not get my account number in time, or log in online, to properly schedule my payroll 's direct deposit in time to meet their deadline. I did end up fulfilling their requirements, but a few days after the deadline. BMO does not want to honor their {$200.00} welcome bonus despite having considerable setbacks on their part.

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 2021-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from my credit monitoring service that this company has reported that I failed to pay a debt that I supposedly owe. I did not receive notification of this matter prior to this being placed on my credit report. They are in violation of the debt validation law and HIPPA as this may contain to my medical records

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Bread Financial Holdings, Inc.
State: MD
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 cash advances

Complaint:
On XX/XX/2017, I requested from XXXX a cash advance of {$5000.00} in response to a promotion. The cash advance was to go to my XXXX card. I realized right after I submitted it that I had a typo in the address for XXXX. I immediately called the customer service number for XXXX and explained my error. The representative said she would cancel the transfer. I asked if I should go ahead and submit the balance transfer again and was told, yes, I should submit another transfer. On XX/XX/2017, XXXX sent me a letter telling me that they received my request cancel the balance transfer, but payment can not be stopped because the amount had already been paid and transferred to XXXX. In addition, a second balance transfer for {$5000.00} was completed and paid to XXXX. This contradicts the instructions I was given when I called customer service. I would never have submitted the request a second time if I had not been told that the first one would be canceled. Now, instead of owing XXXX {$5000.00}, I owe them {$10000.00}. I called XXXX  again on XX/XX/2017, and was told there is nothing they can do and that I need to have XXXX refund the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Was told that on XX/XX/2023 a genesis fs card service had a open credit account for myself and when trying to verify the address it was not my current address on the account because I never open this account for the destiny credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Transunion reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. XXXX  LOWERED MY CREDIT SCORE BY 51 POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Transunion responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Transunion DID NOT add the 51 points back to my score!

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 2019-06-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX XXXX XXXX credit card through Synchrony Bank and I paid off my balance on XX/XX/2017. I have not used my credit card since. they closed my card, not because I have not done business with them since XXXX. They reported this to the credit bureau and it caused a negative effect on my credit score. I refuse to be bullied into staying in debt.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Should be addressed with Experian and XXXX XXXX XXXX. This is against my rights as a consumer. 

The Collections Account - XXXX XXXX XXXX is inaccurate and should be They are trying to collect on an account that was paid and satisfied. They are trying to collect on an account that was paid and satisfied in XXXX XXXX XXXX. Please see the attached documents for reference. This is not my debt they have put this on my credit multiple times now. This was removed before from all three bureaus but Experian allows this to be put back on. 

My Attorney XXXX XXXX XXXX XXXX & XXXX Attorneys ( XXXX ) XXXX at law is in the process of Suing for this false collection against 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 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Investigation took more than 30 days

Complaint:
A letter disputing information on my report was sent over 30 days ago. Haven't received any results within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Affirm Holdings, Inc
State: VA
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've contacted Affirm and they said the information they are reporting is correct ; that is false as I have evidence to prove it. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 states the consumer has the right to privacy. 15 USC 1681 Section 604 A section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I did not give Affirm or any consumer reporting agency written instructions to furnish or report this on my report. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Affirm has stated on their website via the Help Center in the Affirm and your credit score section that if a consumers loan repayment activity is reported to a credit bureau, the entire loan history will be reported. That is inaccurate as only my late payments were reported to XXXX and not the entirety of the loan. Per the FCRA, inaccurate or incomplete information must be deleted or corrected. I have attached and highlighted the section from their website stating the above and screenshots of my payment history via XXXX which clearly has only my late payments listed and not the entirety of the loan repayment history which they have stated on their website. I am requesting DELETION of the following late payments as this is severely hindering my financial progress to provide a better life for me and my family. 

Lastly, I missed payments for the month of XXXX. Per my XXXX credit report nothing is listed for the month of XXXX and all late payments are in XXXX and/or XXXX which for those months I made full payments. This is also inaccurate information being reported. The adverse accounts are listed below and evidence is attached with this email as well. 


Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

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 2021-07-14
Company: EQUIFAX, 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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
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:
Equifax is inaccurately and fraudulently reporting on my credit. I had an account with XXXX XXXX, the account has been paid and closed. I am including the PIF statement from XXXX ; their name and logo with my account information are clearly marked. Equifax is reporting this as a collection when it is not. I do not have an account with XXXX XXXX XXXX, I have never had an account with them, and there is no collections, as the account was closed with XXXX, in good standing, and paid in full. I never owed XXXX XXXX XXXX money. This needs to be removed immediately under the FCRA, because it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2023-04-03
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, Chime systems were down. In the process of their systems being down, I attempted to transfer funds from that account to another account. The transaction declined on one end, but showed pending on Chimes end. I called And spoke with a representative that day who said that it will be back in my account that day. The next day it was still pending. I reached back out and spoke with another representative who told me it could take up to 3 days and to call back. On Friday, the funds were still pending. I spoke with a supervisor named XXXX who assured me it would be back in on the seventh day. On XX/XX/XXXX, I spoke with chime again who advised me to call back. On XXXX, I spoke with a supervisor named XXXX who told me I could file a dispute that will take up to 90 days and theres no temporary credit to be applied. It has been seven days and the transaction is still pending and Chime will not release my funds despite seeing that the transaction was cancelled by the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: NAVY FEDERAL CREDIT UNION
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:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation