BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX - wire transfer requested by me from retirement fund to place {$13000.00} in my bank account XX/XX/XXXX - bank says they sent email to request information, but I never received said email XX/XX/XXXX - discovered account had been suspended by bank. I contacted the bank to inquire about suspension and was told to submit documentation : ID, secondary ID, proof of address, as well as an explanation of the funds that were deposited into my account. I expressed my concern about sending personal information over email and the bank said that was the only way to get the issue taken care of. 
XX/XX/XXXX - I submitted the documentation requested by the bank. 
XX/XX/XXXX - I called the bank for a status update and was told they couldn't open PDF files, so I needed to resubmit ALL the documentation requested above as JPEG files. 
XX/XX/XXXX - while calling for another status update I was informed I needed to submit more documentation : front and back of driver 's license, as well as a photo including the front of my ID and my face. With hesitation I did as they asked and submitted said additional documentation. 
XX/XX/XXXX - Sent email to bank requesting status update XXXX the bank did not respond ). 
XX/XX/XXXX - Spent 1 hour 15 minutes on the phone with the bank inquiring about status of my account. 
XX/XX/XXXX - Spent 47 minutes on phone with bank just to be told, " just wait for a response or a request for more information. '' XX/XX/XXXX - As of this date I have not heard from this bank via email or phone, my account is still suspended, and I'm unable to pay bills, buy groceries, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went into a car dealer they sold me a loan on a loan to fix my credit. They never discussed with me that it was a high interest rate that in four years I would only have paid {$40.00} in principle over a 4 year period of time. 99 % of my payments have went to interest. Leaving the value of the car 300 % of the loan. Which is forcing me to consider bankruptcy. I consider their fraudulent and high pressure tactics a violation of my consumer rights. Purchased vehicle on XX/XX/2014 for XXXX still owe XXXX monthly payments are XXXX. The name of the finance company is santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I am XXXX XXXX military and American Express is denying me benefits provided under the XXXX XXXX XXXX. I joined the military in XXXX and opened the card in XX/XX/XXXX. I have used the chat feature on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to try to receive military benefits. I have also called on XXXX XXXX and XXXX times on XXXX XXXX. The company tells me I am ineligible for military benefits, but I am in fact eligible due to my continued service. American Express continues to provide bad information ( like to call XXXX XXXX XXXX ) or to apply for XXXX ( which does not apply to this account ). The company has repeatedly told me they can not provide benefits to me provisioned by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on 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 2021-01-06
Company: EQUIFAX, INC.
State: TN
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 spoke with a representative at XXXX  to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I emailed the CEO of USAA in regards to late payments reporting inaccurately on my report. A rep from the CEO office called me and I informed them of the months that was reporting falsely on my XXXX XXXX & XXXX report. I sent my bank statements showing each month and my payment for each each month. Another rep called me and said that they see on time payments for all months except 3. But I clearly sent them my bank statements. The months that are reporting inaccurate are : XXXX, XXXX, XXXX & XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, and XXXX of XXXX. 
They asked me to fill out and submit a Consumer Report Dispute Form which I did on XX/XX/XXXX and they keep sending me this form without correcting the inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I began my dispute process with on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to Experian, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to Experian dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. USPS tracking shows my document was delivered on XX/XX/2021. It has been over a month and I have yet to receive any response from Experian regarding the results of their investigation. Experian 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that XX/XX/XXXXshould have handled much sooner.

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 2021-05-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Health Savings Account ( HSA ) for my family with XXXX. The contribution limit for year 2018 is {$6900.00}. My employer contributes {$1500.00} per year to this account in $ XXXX   monthly payments, allowing me to contribute a maximum of {$5400.00} per year. I inadvertently forgot to stop my payroll deductions for my account once I hit the {$5400.00} limit, so I requested that {$810.00} in excess contributions for the year 2018 be withdrawn from my account in a form I mailed to XXXX  in the week of XX/XX/2018. At the time I had submitted that letter, the combined contributions between my employer and myself was {$6800.00}, which is under the {$6900.00} contribution limit. 

On XX/XX/2018, XXXX issued an excess distribution of {$1300.00} instead of the {$810.00} I had requested. I contacted XXXX  through their web chat twice to notify them that I believe there was an error : since my account had never exceeded the contribution limit for 2018, there should not have been any earnings removed from my account ; furthermore, even if there had been an excess contribution, there is no way that {$810.00} would have earned {$520.00} in the two weeks it was in an account that pays 0.05 % interest per year. I was told that I would be sent a worksheet explaining the calculations. I have attached a worksheet I downloaded directly from XXXX that includes all transactions for the account and corroborates my account. 

I called XXXX again on XX/XX/2018 and spoke to a customer service representative named XXXX. I reiterated my concerns and told her that I had yet to get the worksheet with the calculations for their distribution. She told me that they would email the worksheet. That has also not happened. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TN
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:
In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: TX
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:
Dispute submitted to XXXX, Equifax and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of human trafficking. On XX/XX/2022, I called Equifax to determine the process of filing to get a block on various tradelines due to the recent enactment of the Debt Bondage Repair Act. The representative indicated that I need to send in a photocopy of my social security card. I said I was going to send in my driver 's license and passport as identification. They said they will only accept photocopies of the social security card or unredacted W-2s or 1099s. These days, employers, schools, etc. redact the social security numbers of those documents and only show partial social security numbers on them. Surely, a passport is enough for identity verification. The law indicates that due to the difficulty survivors may have in submitting documentation, that several different pieces of documentation can be accepted by the credit bureaus. Equifax is placing an unwieldy burden on human trafficking survivors by requiring a photocopy of the social security number or unredacted SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
Equifax will not respond to inquiries about accounts and information incorrectly included my credit report. I attempted to contact them via their online dispute resolution process on XX/XX/XXXX. They did not respond. I then contacted them again via telephone and their email dispute resolution process on XX/XX/XXXX. Still they would not respond. I have contacted Equifax on two more  occasions -- XXXX XXXX and, finally, on XX/XX/XXXX -- via regular mail, and I included copies of my online and email disputes, and they have still not responded to my inquiries and disputes. In the meantime, I have been refused housing and other opportunities because of the incorrect information contained in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received contact from XXXX XXXX XXXX about a debt and I have requested validity of debt. I have requested hard copy proof where I expressly agreed to debt by way of contract with original creditor and XXXX XXXX XXXX. Hard copy agreement. Credit control purchasing debt and being assigned to debt. Amount they paid for said debt. Full accounting of the transaction history. I requested all collection activity to stop 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 2018-07-06
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX

Defendant : XXXX XXXX XXXX   AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX  

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX   CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.

XX/XX/XXXX SUMMONS FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX   XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT ED/XXXX XXXX {$4500.00} DPTXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX   XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}

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 explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts, public record and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX   XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT EDXXXX XXXX {$4500.00} XXXX XXXX {$3700.00} DPT EDXXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX   XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}

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 explanation