BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: NC
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:
Can some please help me.After reviewing my credit report I on XX/XX/2020 wrote to Equifax about inquiries that i did apply for, Equifax reply that it was verify. How was it verify I sent in a id theft affidavit my 1st letter. on XX/XX/2020 I resent all docs to Equifax with a 2nd letter and I will also upload

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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 contacted transunion numerous times and been told many times that these unauthorized inquiries would be deleted. I demand them to be deleted immediately. Transunion told me they would delete the inquiries but it is still reporting on my credit report. Please delete inquiries immediately as they are unauthorized.

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 2021-09-16
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
3RD CFPD COMPLAINT ON CHIME Chime Managers have assured me on a recorded line that although they are aware that the company ( chime ) is treating me unfairly and unlawfully by refusing to reinstate unauthorized money transferred and charged against the account, there is nothing I can do about it. I was ironically and thankfully transferred back to the same Disputes Manager, who said himself on a recorded line, that he was absolutely shocked beyond belief that my claims continue to be denied based on the amount of firm substantial evidence I have and continue to add. I am able to prove with continuous recording of our conversations between Chime Member Services and Disputes team, that they continue to lie to me about handling why account and claims. I AM THANKFUL TO GOD  FOR THESE RECORDINGS!!!!!!! Otherwise the 8 page and growing detailed journal I have showing Chime to have manipulate and misrepresent my account and investigative reports would have you believing to me making all of this up. Based on my dealings and occurrences and stories found on the internet, there is something fishy certainly going on! So fishy that I believe when its finally revealed its going to be one of the biggest banking embezzlement or fraud cases the world has ever seen! There is something extremely odd, peculiar, and fraudulent about Chime, and if the CFPB won't get to the bottom of it, you can trust I am! To perspective customers of Chime DO NOT JOIN!!!! NO BANK BACKS THEM, XXXX  XXXX XXXX  DOES NOT CLAIM TIES TO THEM... THEY ARENT EVEN A BANK THEY ARE A TECHNOLOGICAL COMPANY DECEIVING PEOPLE TO THINK THEY ARE A BANK. THEY TRIED ONCE TO BE CERTIFIED AND WAS DENIED! WHEN I FIND SPECIFICS AS TO WHY I WILL BE SURE TO POST UPDATES, THIS HAS NOW BECOME MY PASSION TO EXPOSE CHIME FOR THE FRAUDULENT THIEVES THEY ARE. THEY ARE SIMPLY NOTHING BUT ANOTHER XXXX XXXX! I CAN SAY YOU COULD AT LEAST GIVE A KUDDO FOR YOU TO BE ABLE TO ACTUALLY SPEAK TO SOMENE AT CHIME VS XXXX XXXX, BUT ALL IN ALL SPEAKING TO A CHIME EMPLOYEE IS WITHOUT EXAGGERATION THE EQUIVALENT OF SPEAKING TO NOBODY AT ALL! LET IT BE NOTED THAT I HAVE PROOF OF CHIME MANIPULATING FEDERAL INFORMATION AND FUNDS AND CONSISTENTLY BREECHES CONTRACTUAL AGREEMENTS MADE TO THIER CUSTOMERS! IF A HIGH POWERED ATTORNEY, OR ANY ATTORNEY FOR THAT MATTER WOULD LIKE TO ASSIST ME IN LAUNCHING A CLASS ACTION LAWSUIT AGAINST CHIME PLEASE CONTACT ME, AND OR PROVIDE YOUR CONTACT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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/XXXX I entered into an agreement with XXXX XXXX to consolidate debt with various creditors. An agreement with American Express was reached in XX/XX/XXXXor XX/XX/XXXX and payments are being made. AMEX has my accountlisted as closed-written off on the credit reporting agencies but still reports monthly as my payments are late. AMEX states they will continue to report late payments even though reported my account as closed and written off and agreed to a settlement which is paid monthly. AMEX stayed today, XX/XX/XXXX that thats what they do and will not cease reporting late payments. 

I respectfully request an investigation and help getting AMEX to cease reporting late payments on an account t that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company United Collection Bureau called me on XX/XX/2018. I sent a letter of validation, dated XX/XX/2018 ( I have a PDF scan of the letter, and sent it via certified mail ). However, they continue to contact me. They have called me on the following dates, without responding via mail : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I do not know how else to get them to stop calling me at this point. My FICO credit score is over 800, and it is clear that the debt they are inquiring about is for a relative of mine, and not mine. 

At this point I am seeking legal counsel and would like to pursue whatever form of civil or criminal claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: AES/PHEAA
State: MA
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:
As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.

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 2020-11-05
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 am trying to rent at apartment so today XX/XX/2020 I applied at XXXX XXXX XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Professional Credit Analysts of MN, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. 

PROFESSIONAL CREDIT Last reported XX/XX/2020 {$2400.00} in a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof,
or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: OUT TECH, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called ahead to ensure pre-auth by my insurance for XXXX XXXX ( I had treatments onXX/XX/XXXX and XX/XX/XXXX ) and was told we had 40 visits each per year covered by insurance. 
XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Fax I got a bill from XXXX XXXX in XX/XX/2017 and contacted the clinic manager XXXX XXXX and XXXX XXXX XXXX repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand again in XX/XX/XXXX ) and they assured me it would NOT go to collections and they were confident insurance would cover. My last correspondence from XXXX XXXX was that my account was paid in full and not to worry ( XX/XX/XXXX). 

I then got a notice from the XXXX XXXX XXXX XXXXt ( debt collector ) for {$410.00} on XX/XX/XXXX( notice datedXX/XX/XXXX ) I have wasted endless hours calling and emailing and was reassured every single time. I have written notice from XXXX   XXXX  that they will NOT send to collections. 
There was a delay by insurance to cover it as it was submitted properly Here is the dispute letter I sent to the debt collector ( name and identifying info removed per your policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Re acct XXXX Amount {$410.00} Dear Sir, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX( date on letter wasXX/XX/XXXX ) and identified debt as {$410.00}. 
I do not have responsibility for the debt youre trying to collect. I have had written communication from XXXX XXXX XXXX ( XXXX XXXX and the clinic manager XXXX XXXX ) that this was covered by my insurance. 
If you forward this collection to another company, please indicate to them that it is disputed. If you report to a credit bureau, also report that the debt is disputed. 
Thank-you, Cc XXXXXXXX XXXX XXXX XXXX, fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: ID Analytics, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
A relative was denied credit and one of the reporting sources was a company called XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX. I keep a close watch on my credit reports, and I had never heard of this company. Assuming they have credit information on me I went to see if I could get my credit report in the usual way, through XXXX. This company is not even mentioned there. 

There is a process to get a report directly from them, but it is much more invasive and complicated. Reading online, I see many people complain that this company 's credit scores are hundreds of points below the average at the other three reporting agencies. They also report difficulties getting straight answers on what constitutes a " good '' score, and even what contributes to their scoring. 

I am very upset that I can not examine what information they have about me through the usual reporting process at XXXX. I think an investigation of this company is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today, XX/XX/XXXX, Simple customer accounts were transferred to BBVA. We are not able to access our account or funds. Their website keeps returning errors, even after they stated that they fixed it, and the phone line they gave us to call them, is out of service. Their is literally no one around to fix this problem. They are also hiding tweets that complain, so that other people can not find out the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today ( XX/XX/XXXX ), I received a call from Capital One representative at XXXX PM. As always, Capital One representative has mislead, lied, and hung up the phone. 
The representative did mention that the account was closed on/around XX/XX/XXXX, though this fraudulent company has sent out a letter on/about XX/XX/XXXX stating that if i do not make a payment my account will be closed. This is not the first time that Capital one uses illegal/unlawful tactics to prevent resolving consumer issue or manipulate to have the consumer pay. It is my understanding that Capital One fully assists fraud operators and refuses to refund those that are law abiding citizens. 
Lastly, while capital one representative was on the phone with me we contacted XXXX XXXX XXXX for those fraudulent ACH debits and they have informed Capital One that the transactions were not initiated by me or/and done through XXXX XXXX XXXX. Those ACH debits were fraudulently initiated by Capital One and they refuse to take responsibility even though they did refund me for four of those transactions. 
The representative also lied about this matter never being investigated before when factually 4 out of 7 ACH debits were refunded into my CAPITAL ONE credit card account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, 2019 I attempted to close my home depot credit account. As it had been " under review '' by the company for over a month with no attempt to contact me. When I attempted to close it, they attempted to secure a credit card number from me from a different Citi bank account, my government travel card When I declined to give them that number, they refused to close my account and said they would be in touch as the account is still under review. 

The account has a XXXX balance and has had a XXXX balance for over a year. There is no reason to have the account under review, as I have requested that it be closed. 

This experience had been a massive waste of time for me and reflects poorly on Citi bank and the home depot credit center as a whole.

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 2018-03-19
Company: Bread Financial Holdings, Inc.
State: FL
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:
After requesting my credit report.i notice accounts and inquiries that were not authorized by me and made by my ex wife.I did not not authorized you to pull my credit for the following XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed that she never got a chance to use them and I do not want them open and wish for this to be closed and remove from my credit report as well as the inquiries

Company response to consumer: Closed with non-monetary relief