BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Zip Co US Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
DON'T SAY DUPLICATE!!!! If so, then WHERE IS THE OTHER COMPLAINT?!??? 
You need to contact ZIP PAY!!! They still owe me money, and have done a lot of wrong things. I have emails and receipts how much was always promised to me, and they broke it. 

I have ATTACHED the emails. You can see they were just stalling and wasting time to not fix it. Same questions, from 5 different people, starting the process over and over again. 

Zip Co has been continuing to charge me for payments made to things I already returned a long time ago. I have tried to resolve this issue since this past Spring, to no avail. Zip keeps giving me the runaround, and keeps my refund money. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 and on XX/XX/2020 Bank of America charged me a {$5.00} " Monthly Maintenance Fee. '' It seems perhaps this is because my savings account balance fell below {$300.00} in XXXX, although if this were the case and falling below {$300.00} triggered such a fee, such a threshold is not mentioned on the website nor their documentation, and simply has not been communicated to me. 

Obviously this violation is de minimus, but the simple facts are ( 1 ) BoA never notified me either by email, text, phone, or letter about this fee or what I'm supposing is this {$300.00} rule, ( 2 ) I reviewed both their saving account page and their personal schedule of fees listed on my account, and neither mentions this {$5.00} fee or {$300.00} rule, and ( 3 ) I have maintained a savings account at BoA for over a decade without incurring such a fee. Although I am out a mere {$10.00}, I shudder at the true amount of money BoA is unjustly making at consumers ' expense by using such tactics -- charging a fee that is never mentioned to the consumer -- a fee whose existence can not be proven until it is incurred out of nowhere.

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 2023-04-13
Company: EQUIFAX, INC.
State: AZ
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:
After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen and submitted all the documents needed to remove the account. It's been a few months I contacted Transunion and they still are reporting the account. 
Account number : XXXX Account Name : XXXX Amount : {$10000.00} According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-04-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
yes i have tried to reach out to creditor and credit agency by calling and sending in the requested files to have the following fraud accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
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 Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: MO
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've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( Experian, XXXX, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
After reviewing my credit report Ive notice some unauthorized inquiries on my profile. 
The following : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022. 
Again these inquires were unauthorized and I request to have them deleted.

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 2021-03-02
Company: JPMORGAN CHASE & CO.
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:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
I pulled my credit report and I saw XXXX collecting for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

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 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank Visa is charging a 29.99 % interest rate. Which regulator is allowing this? Outrageous interest and is approaching XXXX. This needs to stop. The bank is also charging " trailing interest '' which allows them to charge additional interest after a consumer has paid the balance. Again, either the banking regulators are allowing this, or perhaps just asleep at the switch. 

Since this card is directly linked to costco, we need to understand if this high interest is benefitting costco, by making it harder for people to pay off their balance for buying food.

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 2023-02-09
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Moved in XXXX XXXX XXXX on XX/XX/XXXX thru XX/XX/XXXX apartment manager XXXX XXXX was taking unauthorized charges for rent, rent that was calculated according to my affordability, by XXXX XXXX XXXX when there is a change to my income rent is suppose to change as well., month of XX/XX/XXXX my income changed to less rent should of been less also by law, apt manager never changed my rent to lower i brought this to her attention i recieved letter from HA that my income is less my rent will be less, apt manager recieved the letter she never changed it to lower she kept taking the same amount of rent I stated to her that she was suppose to change the rent amount to lower my bank statements show the same rent taking out she did not want to change she was suppose to by Law! she ended up taking more than she legally was suppose to, I moved XX/XX/XXXX she didn't do a vacate inspection i requested one she said take pitcures and send them to her. I did. upon move out apt manager stated to me acording to her ledger I don't owe anything, I gave apt manager my forwarding address to send my security depost. XX/XX/XXXX I received a collection for a debt that was totally false from collection agency National collection agency I requested a valid list of the debt they sent me 3 different ones with the same words but different amounts. I believe she is retaliating against me for calling Code Enforcement for the infestation of cochroaches, collection agency sent me a bogus debt amount on XX/XX/XXXX for {$920.00} for damages i believe its her wear and tear she want me to pay for she kept my {$700.00} deposit {$1400.00} overcharges unauthorized rent. she owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Certegy Holdings, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Company not giving specific reasons why check cashing was declined. Never had an issue before and now theyre giving an inaccurate reason that doesnt apply to me.

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 2021-01-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to ARS to ask for Validation and they continue to say they have. After reviewing the information and after constantly asking ARS for this information on XX/XX/XXXX after claiming they did on XX/XX/XXXX. Asked them to provide the original documentation and still to this day have not gotten a copy of that letter. Have asked them multiple times for even if they had the rights of owning or right to pursue in my state which is now Idaho and never answered. I went on the Idaho collection verification website and see that they are not even licensed in the state of Idaho to attempt to collect a 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 2023-09-19
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX  I paid {$2700.00} to my account for my loans on EdFinancial. The company didnt record my payment after 2 days when I checked my payment history, the payment I made was gone, my accounts balance hadnt changed and the interest kept accumulating. Also, I have some proofs about this issue. I had contacted them many times but still didnt get a call back while they said they would in their system phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Every time I do a mobile check deposit, chime is requiring me to put deposit at chime only on check. Then they find every excuse to not accept check, one says image quality is poor and then chime says can't accept it. 
This has to be against banking regulations. Because now the check is not valid because I put deposit at chime only. Not convenient and possibly illegal They should be fined for causing problems

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: SC
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 have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Account information incorrect

Complaint:
I have filed complaints with equifax and XXXX  about my credit report from XXXX XXXX. Equifax is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. Equifax is reporting the balance owed as XXXX XXXX {$7500.00}. Equifax is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made XXXX payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from Equifax is {$1200.00} credit acceptance charged me $ XXXX.Equifax is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXX.XXXX is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. Equifax is stating I have over 19 late payments XXXX states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XXXX of the month then credit acceptance will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency

Company response to consumer: Closed with explanation