BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
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 CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, XXXX  AND EQUIFAX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for consolidation of my federal student loans, this was approved. After approval, I noted with XXXX XXXX that I wanted to apply ( which i previously had ) for PSLF. They informed me, after than loan was processed, that my PSLF status was " started over '' and they previous qualifying payments I had made where gone and no longer counted. I have tried twice to cancel this consolidation and was told it was to late. No one, not Fedloan Servicing or XXXX XXXX, informed me that consolidation would restart this and I would loose qualifying previous payments. 

Now XXXX XXXX is saying this is not their responsibility, and I still need to make my payments, which I am aware of. If I reapply for PSLF, my loan goes back to XXXX and thus again I loose my previous qualifying payments. 

I was never informed of how consolidation impacts those on PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ENCORE CAPITAL GROUP 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:
Midland Credit and XXXX are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I went to my tax preparer to prepare my taxes and to pay him for his services he deducts the money from my federal return. The check went to XXXX and then was suppose to be direct deposit into my account however Bank of America rejected the deposit. I was given a paper check which I then depositing via Bank of America Mobile app. Bank of America decides to place my check for 8 business days even thought XXXX cleared the check and sent it to Bank of America they are stating that they do not have the funds however XXXX states that the funds was given to Bank of America. Bank of America it have have the proper reason as to why my check is on hold except for they dont have the funds however XXXX bank manager isnt explaining that the funds was release and Bank of America has the funds. I dont have my money and now have to wait 8 business days to get my money. I need this problem fix and no one is willing to help. Bank of America is using my check to gain interest because I havent heard a valid reason why my check cant be cleared and available 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 2022-12-28
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:
Privacy and confidentiality under 15 U.S.C. 1681 XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which ante date the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccura
te.

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 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I am reaching out due to an inaccuracy on my credit report for account XXXX. It is showing this account has been charged off as of XX/XX/2020. They received a tax write off and I should not have this debt reporting on my credit profile. According to the Internal Revenue Service ( IRS ) guidelines, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, reporting the cancelled amount as income.I have disputed this with the bureaus and they have not helped me remove this from my credit profile. I did ask for them to send me any forms or any documentation that they have the right to report this as a debt. None has been given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was with chime for years before they became " popular ''. Last year I went through some financial hardships and money was not coming in as I would have liked I was unemployed for months. My account was overdrawn XXXX and something dollars. I have recently found a job and I was able to get my account back in good standing, I tried to log into my acct and received a message that my acct was closed and to contact customer service. After a day I got an email saying that they are sending my account to another department. After that the department emailed me saying we can't re open your acct due to a negative balance... I reached back out because I am legit confused how can a company that states no penalties for overdraft accounts to closing my account with no notice no nothing. Like I know that they don't have to tell you but I got an email from them about everything else especially regarding that dumb spot me thing. But never got an email stating that my account is about to close and what can be done. I still have not heard back from anyone regarding this after replying back to the email telling the rep I wanted a supervisor to call me and provide clarity and next steps. They did nothing. I dont think its right that they don't even try to assist or provide clarity or provide information on what will happen next or even telling me there is nothing to be done they just ignored me. So now I'm taking my reviews here, XXXX, XXXX, XXXX XXXX. Like I said I had the acct for yrs no issues no fraud no nothing and they just basically threw my account away and refused to offer any assistance even after I told them I will be taking this to social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have recently received several emails regarding someone opening an account up under my name and social security number. I have tried to call XXXX, and spoke to a young lady. She confirmed that there were several accounts with my name and she confirmed the last 4 of my social security # before I would tell anything. She confirmed that someone in my State and City had opened an account. She went to transfer me to a fraud department and then a recording came on and said no one was able to help me. There was no way to leave a message and the call ended. 
I contacted another number I found XXXX and again got no one as I dont bank there and without an account number no help from the company. 

The first email I received stated that an online application was in progress along with my name and Confirmation # of XXXX at XXXX today, second email was received at XXXX and stated that I needed to verify my email address which I did not do, third email received at XXXX stated that my application was approved, and my account is open with account ending XXXX and that I am enrolled in online and mobile banking. I have filed a police report with my local police department, but I need a claim number from this bank and the fraud phone number from them.

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 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that this disputed account get corrected. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-10-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
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:
My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I was assessed a late fee on my account # XXXX.Payment was then processed on XX/XX/2020. I have attached proof from my bank my payment was sent on XX/XX/2020 and was received on XX/XX/2020. The bank then held the payment until a late charge would be assessed. This was brought to the attention of the customer service representative. She refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) Capital One XX/XX/XXXX ) Capital One XX/XX/XXXX XXXX 's XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I loaded {$300.00} on to my PayPal account via in Store load at XXXX. The money posted to my account and confirmed by PayPal via email. The email further stated that these monies were available to be used. Shortly after I attempted to make a purchase from XXXX using my personal credit card as well as the funds I placed within the account currently managed by PayPal, which is a custodial account held by XXXX XXXX XXXX XXXX. Each time I attempted to use my funds i received an error message, so I contacted the PayPal support Customer Service line. After being placed on hold and finally speaking with a representative named " XXXX '' ( PayPal ID # XXXX ) I requested to speak with an American representative and/or manager since he could not understand my request to utilize my personal funds via the financial instrument of my choosing. The representative replied that there are no American Representatives or Managers. I Then asked if there was a manager that was capable of understanding my request. After the call was transferred I was greeted by the PayPal supervisor, " XXXX '' ( PayPal ID # XXXX ) who began to access my request, the call was a total of 2 hours and minutes and the managers last declaration was to contact technical support because on PayPal 's end everything was fine, and available however i attempted to transact my account with PayPal across several devices and doing so while engaged with " XXXX  '' who stated he was monitoring my account while still displayed no errors messages. I has come to my understanding that he and his immediate team members were all purposely preventing my from transacting the account. The call was on a recorded line which I personally recorded as well for my own protection and it can clearly be heard that the employees in the background were slanderous and have incited the defamation of my character and my financial activity. There was no resolution provided. I then attempted to to transact my PayPal balance by within PayPal 's very own Digital gifts webpage I attempted to purchase for myself an XXXX gift card, and the transaction failed and then PayPal placed a limitation on my account. The manager XXXX further said that I needed to be transfered to this account, he said it appeared that someone was trying to use my account although he confirmed that the only account accessing the account was the XXXX  browser IP address, which I am currently using. The evidence in this matter is overwhelming. That PayPal is, was, and has been treating consumers unfairly and viciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX XXXX, my checking account in Citibank charged me in this date XXXX dollars, I called the bank and they said that this charged was made by XXXX for a transaction made on XX/XX/2022, and that they are charging me now for this, I told the bank that I have not make a transaction with this company lately and if this was on XX/XX/2022 because I remember buying a jacket on that month, why Am I being supposedly charged again, so I asked the bank to open a dispute for this charged and the bank denied me this service saying to called XXXX and to fix the problem with them. I did what the bank told me to do and call XXXX and I spoke to the financial department that told me that they dont see any transaction made on that date with my debit card and told me to call my bank and ask them to open a dispute. 
I did this again and I was denied again by the bank to open a dispute for my money taken away from my account supposedly by XXXX. Also the las few months I noticed that money is missing from my checking account, like sometimes XXXX, XXXX, XXXX dollars, and when I called to the bank to open an investigation they denied me of this service and this money missing from my account got lost. 
Also I open a dispute on XX/XX/2022 for a charged made for XXXX of XXXX dollars and the bank closed the disputed last month saying that I didnt give them enough information when they sent me a letter by mail, but I didnt receive this letter that is why I didnt send the information requested to me. Citibank told me to send them a letter asking for an appeal to reopen the dispute which I did already but they have not answered me yet. This charged was made when XXXX charged me twice the transaction I made with them, I did receive the merchandise but after 2 weeks, I was charged again by XXXX in my account. 
Im not too sure if I am being robbed and abused by XXXX or Citibank or maybe are both.

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 2019-05-19
Company: Colony Brands, Inc.
State: MD
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:
These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX   XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX Ginny 's Inc XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been receiving repeated calls from this company called XXXX XXXX XXXX XXXX XXXX XXXX, a collection company in behalf of Cashcall for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.

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