BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: AR
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  21. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/ XXXX XXXX mistakenly processed XXXX from my Chime checking-within moments they cancelled the transaction. They sent me the cancellation and said funds never transferred out of my Chime checking account. Chime said I had to wait three business days anyway. I have and Chime now says they will return the money XX/XX/. I am not clear how they can just keep my money- my account has gone negative and I have no way to live this week. Seems like predatory use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I sent an email to Comerica Bank or Direct Express on Sunday, XX/XX/2023, which was three days after the investigation into my claim dated XX/XX/2023 had started, requesting to receive a provisional credit in the amount of {$550.00}. When I sent the email, I had not yet received their letter dated XX/XX/2023 nor the letter 's enclosed Questionnaire of Fraud form. 
Comerica Bank or Direct Express never issued me provisional credit in the amount of {$550.00} as they said they would in their letter dated XX/XX/2023, which I finally received on Saturday, XX/XX/2023, which stated the following : " If the completed Questionnaire of Fraud or a letter outlining your claim details is received within 10 business days from XX/XX/2023, and the investigation is not complete, a provisional credit will be issued to your card account by that date ''. 
In opening my claim over the telephone on XX/XX/2023, Comerica Bank or Direct Express refused to review or go over or to provide all of the transactions posted to my account after the deposit of my 2023 XXXX monthly benefit amount NOR gave me the amount of my claim, so I didn't, and I still don't know, whatall transactions were among those Comerica Bank or XXXXirect Express decided to dispute as unauthorized and to include in my claim in the amount of {$550.00}. 
Despite my having sent an email to them requesting provisional credit initially on Sunday, XX/XX/2023 ( which is attached ), I went ahead and resubmitted my second request for provisional credit by completing and faxing the Questionnaire of Fraud to Comerica Bank or Direct Express on Sunday, XX/XX/2023, as their letter dated XX/XX/2023 instructed to be done within 10 business days. However, no provisional credit was ever received or credited to my account. 
I received another letter from them the very next day after faxing back their completed Questionnaire of Fraud form on Monday, XX/XX/2023, which was dated XX/XX/2023 - just 4 days into the start of their investigation into my claim, saying my claim was denied without citing any evidence contrary to what I had claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am trying to figure out on how to get this paid so I can fix my credit score please can somebody help 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 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services,  ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to get this loan modified by the company and other resource and this company Santander will not let me do anything. the interest rate is 19.08 % We got this truck in XXXX of XXXX and now it XXXX XXXX and we still owe XXXX on this truck and we have tried to get it refinance and everything no one will refinance cause of the interest rate is so high. I have tried on several occasional to get my interest rate lowered I haved tried to get everthing done but this company will not do anything to help us. My husband is a XXXX XXXX and we are finialy strap cause this truck payment is so upside down till no one will touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
As a charity organization we send funds to help services offering education and medical care for the poor in poor XXXX XXXX. When we tried to send a wire transfer of {$10000.00} on XX/XX/XXXX to the XXXX XXXX XXXX account in XXXX for the XXXX  under this service, the associate at bank of America, indicated that the account has to be in a person 's name even when the account was in the name of the XXXX XXXX We assumed that the bank associate is correct, and we sent the wire in the name of the director of the XXXX XXXXXXXX XXXX instead of the XXXX XXXX name. We also assumed that as long as the account number and XXXX XXXX XXXX are correct then the wire should get to their account in XXXX XXXX XXXX XXXX XXXX XXXX However, when the wire was sent the bank in XXXX returned the wire back due to incompatible name on XX/XX/XXXX to an intermediary bank which is XXXX XXXX  in the US. We have been constantly calling the wire dept for Bank of America almost every week for the past 4 months and visiting the bank branch to try to return the fund bank to our account with bank of America with no success. We have also made multiple visits to both bank of America and XXXX bank to try to retrieve the money back to XXXX XXXX XXXX account in the US but always told that we sent messages to XXXX bank and have to wait for them to respond. When I tried to contact XXXX wire department they told us they can not speak to us because we have no account with them. We were told to go back to bank of America and ask them to talk to them. When we went back to bank of America, they said that XXXX bank got their messages but the money has not come back till now to our account. This has been the most frustrating and exhausting experience to our organization since we started almost XXXX XXXX XXXX. I repeatedly explained to bank of America that this is much needed fund for almost XXXX XXXX XXXX XXXX XXXX XXXX under the care of the XXXX XXXX XXXX but all our words have gone avail. I, here, plea to the CFPB to help us resolve this issue and get us the fund back to XXXX XXXX XXXX XXXX account since the recall of the wire was based on Bank of America associate mis-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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I found out in XXXX that my Khol 's charge card was delinquent. After investigating further my wife noticed that on XX/XX/XXXX a payment of {$70.00} was paid through our XXXX  XXXX XXXX online banking checking account but, was posted to the wrong account. This resulted in Khols not receiving payment and negatively reporting to the credit bureaus that In XX/XX/2019 I was 30 days late. After contacting XXXX  XXXX XXXX they quickly figured out that the payment had posted to the wrong account and never got posted to my Khols charge. They stated it was a glitch in Their system. They mailed a letter stating this and asking that any negative reporting be removed by Khols on my credit report. I contacted Khols and was told to submit all documentation to the Cooperate office and that was the only way to reach the Cooperate office. I also did a XXXX search and emailed 3 people whos names appeared at the Cooperate office of Khols. I also disputed this twice with all three credit bureaus. Most recently XXXX  thought I was disputing XXXX  XXXX  XXXX and unnecessarily opened a dispute up for them as well as Khols. I spoke with them today XX/XX/2019. They also told me that there were two disputes for Khols and that Khols deleted an old account as a result of the dispute. This account was never late and closed for over a year. It had nothing to do with my dispute on my account ending in XXXX. I also received notification from XXXX. They didnt dispute Khols but, put in a dispute for XXXX  XXXX XXXX again, this was well documented and not a dispute with XXXX XXXX XXXX. This is the only negative mark on my credit report. Khols stil has me reported as 30 days late for XXXX and still has my last payment listed as XXXX when in fact I paid off this account in XXXX after finding out I was delinquent. I want Khols to update all three credit reports to reflect that I was not 30 days delinquent in XX/XX/2019. Khols removed an old account off of my credit report that was not the one in dispute or reported as negative. XXXX  XXXX XXXX is my checking account that all bills are paid from online. They had computer glitches and offered a letter to Khols explaining that a payment on XX/XX/2019 had been paid of {$70.00} but did not get posted to the right account. Please see documentation attached. Also, XXXX  and XXXX  made mistakes with my dispute by opening up disputes with XXXX XXXX XXXX. Causing the dispute to be prolonged and an unnecessary dispute to be put on my credit report. The more time as gone by the more it is affecting my credit. 
Thank You for you help with this matter! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}

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 non-monetary relief
Consumer complaint received 2022-09-09
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FFELP consolidation loans were purchased by the department of education in a random fashion, and this means that protections for those who have these loans from before XXXX are unevenly applied among citizens. those whose loans were purchased by DOeD get protections which are not offered to loan holders like myself who had no choice in whether our loans were purchased by the DOeD. This is unjust. FFELP loan holders are subjected to the whims policy we can not control. Those with DOeD loans are able to request refunds for payments made after XXXXXXXX and those who have 'private federal loans ' through the FFELP program don't enjoy the same rights. It is not our responsibility to accommodate for bad policy while others enjoy rights we are not afforded. DOeD must make this right for loan holders who did not willingly apply for 'private federal loans ' but were subjected to the vagaries of bad policy while others in this category of borrowers were afforded protections in a random fashion. 'private federal loans ' is an oxymoron. Those of us who are part of the FFELP program and have loans that are not owned by DOeD are being treated differently for reasons which we can not control and have no say in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2017-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Bank of America is taking my funds from my account for an issue I have a receipt. They told me the receipt is not valid, even tho they submitted the 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 monetary relief
Consumer complaint received 2022-09-09
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-09
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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