BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, 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:
Equifax is reporting incorrectly that I am ( 90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans were ASSUMED by AES from XXXX XXXX in XX/XX/XXXX. The balance was ~ {$28000.00}. I pay {$220.00} each month regardless of what the 'balance due / minimum payment ' request is. The amount due is typically between {$50.00} and {$75.00}. I have made this payment each month since XX/XX/XXXX MINUS the two years I went back for my XXXX and 2 years of personal illness. Taking into account interest accruals +/- monthly payments, lets say my balance went up to {$31000.00}. 
XX/XX/XXXX-XX/XX/XXXX = 17 years 17 years - 4 years deferred status = 13 years 13 years x 12 months per year = 156 months 156 months x {$220.00} = {$35000.00} MY BALANCE TODAY IS {$22000.00} Can someone check my math? I have a XXXX XXXX but I can not calculate this so that it makes sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have a lawsuit pending for damages against XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX. Take of your list and out of your database now. I am with XXXX and going to get you ASAP unless you resolve this Now!!! Thank you for your Time... 

I can and will prove that XXXX ( Committed Fraud ) and XXXX XXXX  XXXX XXXX Committed Fraud XXXX, XXXX XXXX ( Fraud Class Action Lawsuit already settled ), and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Fraud Class Action Lawsuit already settled )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Payward Ventures Inc. dba Kraken
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made an account with XXXX crypto trading web site. The web site said to fund the account by bank wire transfer. I sent 2 bank wires. {$700.00} and {$1000.00} and the bank transfer was registered XX/XX/2012. No funds have registered on my XXXX account. Now XXXX says I have to send them more of my personal bank information. Now I have read about many former XXXX customers being scammed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor XXXXXXXX XXXX has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-05-23
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was going through my checking account and started to notice transactions that were made in XXXX XXXX and other foreign countries that were unfamiliar to me. After clicking on the transactions I noticed that I definitely had not made them. I disputed them immediately and cancelled my debit card and requested a new one to arrive. I disputed close to XXXX payments that added up to {$3500.00} that I never made. The next day, Chime closed my credit builder account without any warning or heads up. 4 days later they closed my checking account. They said they would look into it but they were not helpful on the phone at all. On XX/XX/XXXX ( 2 days after completely closing my account ) they said they concluded their investigation and that no funds would be added to my account from the dispute. I asked for documentation that helped them make this decision and they said they would send it within XXXX business days. It has been 13 days and I still received no further emails from Chime about the rest of the disputed transactions or why they made the decision that they did. They also never said why I wouldnt receive the money in the email they sent me. Lack of communication and no justification for denying my dispute has made me very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2022 {$45000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefor exists 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 explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: ND
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/2019, I received a letter from Equifax marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by Equifax, and this is a negligent act on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that Credit Acceptance ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with Credit Acceptance Corporation for my monthly car payments to be withdrawn automatically on the XXXX day of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on the XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by Credit Acceptance Corporation and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on the XXXX XXXX XXXX XXXXr but WAS successfully withdrawn by Credit Acceptance Corporation on XX/XX/2018 which made the payment for XX/XX/2018 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX, XXXX, and Experian. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2016-04-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. 

I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the bonus.

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 2023-08-12
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 I wired funds from PNC to XXXX PNC wire system glitched with 1st wire never sent so I was told 2nd wire sent again an duplicate wire was made in ERROR OF PNC.. I HAD MONEY IN ACCOUNT TO COVER SO THEY SENT 1 UNAUTHORIZED AN CHARGED ME TWICE I DISPUTED UNAUTHORIZED WIRE WAS REFUNDED WIRE FEES. 
XX/XX/XXXX MY ACCOUNT WAS CLOSED DUE TO THIS ISSUE AN MY FUNDS WITHHELD NOW 24 BUSINESS DAYS AN COUNTING!! Lied to several times was told 7-10 days on the XXXXTHEN TOLD I COULD GO TO BANK AN RECEIVE CHECK EVEN THOUGH ACCOUNT HAD BEEN CLOSED ONLY TO BE HUMILIATED AFTER SITTING 3HRS WAITING WHILE LOSING MY MIND BUSINESS SINKING AN GETTING NO RESULTS..CASE WAS REVIEWED TO BE RESTORED ONLY TO BE TOLD IT WOULD BE 7 -10 MORE DAYS I HAVE SINCE LOST EMPLOYEES ACCOUNTS EQUIPMENT INVESTMENT AN SLEEP.TOLD ONCE AGAIN TO GO TO BANK ONLY FOR BANK MANAGER TO TELL ME NOT TO LOOK AT HER IN THE EYES AN I WAS CRAZY.. IM MENTALLY DRAINED AN EMOTIONALLY DESTROYED PNC HAS RUINED MY SMALL MINORITY 100 % OWNED BUSINESS . 
WHAT TOOK ME YEARS TO BUILD THEY HAVE DESTROYED BY REFUSAL TO SEND MY MONEY IN THE MOST TIME SENSITIVE CASH INTENSIVE INDUSTRY IT IS A VERY LARGE AMOUNT THAT I WAS TOLD TO HOLD MY HEAD DOWN LESS THE MAN WHEN ASKING FOR IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Ally bank debited my account for {$1100.00} three days after the XXXX payment was canceled. I was sent a confirmation of the canceled XXXX payment and was under the impression my account had plenty of money to cover my {$540.00} car payment, however the automatic car payment failed and was returned after the XX/XX/23 due date. 

Since this has occurred, I have been charged a {$20.00} late fee and will likely see a derogatory remark on my credit report due to Ally Bank 's failure to send funds as directed. 

The {$1100.00} should never have been debited from my account since the XXXX payment was canceled. 

This is the second failure of Ally Bank to transfer funds as I directed within 60 days. The first being a failure to transfer a mortgage payment. As such, I have closed my accounts with Ally Bank and am exploring my options in terms of legal action due to the damages I have incurred.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion credit reporting agency has deliberately furnished a fraudulent account ( XXXX XXXX ) on my credit report. This account has negatively affected me as a consumer by not allowing me to obtain any extensions on credit to obtain a vehicle of my own. I have provided an FTC report, court case documents, and a consumer statement by mail and Transunion has still chosen to behave in a negligent and fraudulent manner. This is a violation of 15 USC 1681b, none of the information that is being furnished is being reported in a lawful manner. I have attempted 3 times to get this information removed and provided supporting documentation every time.

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 2023-02-24
Company: Click n' Close, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX on 2023 I refinanced my home loan from Click and Close to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2023 and payment for payoff was sent to Click and Close on XX/XX/2023 ( a Wednesday ) via a wire transfer. Click and Close sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. 

I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. 

It seems as if Click and Close is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. 

I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: AUTOMOTIVE CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Previous complaint # XXXX response from Top Finance was ignored by whomever provided the response from their company. I requested the following documents from Top Finance : Proof a certified letter was sent to me that i signed the intent to buy by the vehicle 5 days after the vehicle was reprocessed, the notice that the vehicle was sold, and a letter of how much the vehicle was sold for including any fees. All these documents should have been sent to me within 30 days of the repossession and vehicle being sold. Please forward them promptly. 
Additionally, XXXX XXXX XXXX XXXX, has the same address and per previous conversation is ACC/ which is Top finance as you can see on the attached documents. This company I believe is not operating accurately business wise and i believe is not only violating rights with their collection practices they are manipulating the company names and addresses in order to fraudulently collect balances for written off debt from Top Finance.

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 2023-08-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Comenity Bank XXXX XXXX aka XXXX XXXX aka Cathrines they said I received merchandise from them and I never received any merchandise from them I filled a police report and sent it to them along with a affidavit from them. And Comenity Bank said I receivec merchandise. I live in a bad area XXXXXXXX XXXX all the time they steal packages and break in cars. The police can't do anything but give you a police report. One week they broke into 21 cars. This is a XXXX XXXX and they always pick on the seniors. I called and told them about it today and spoke with XXXX employer # is XXXX frm Comenity Bank. They are making my credit bad I never paid them for something I didn't order. They reported to the credit bureaus. What can I do and they know I'm a senior of XXXX yrs old and taking advantage of my senior years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone applied for a XXXXXXXX XXXX XXXX in my name I received it on XXXX. I reported it as fraud to XXXX XXXXXXXX to close the account. I singed up for lifelock identity theft and from there website i went to all 3 credit services to apply for a credit freeze and fraud lock. Today XX/XX/23 I received a text message from Experian Credit in regards to my credit file being updated. I logged into my account to learn that XXXXXXXX XXXX  of Delaware got a copy of my credit report for a installment loan or new bank account. I contacted experian to find what had happend. I talked to XXXX different people trying to get answers. The last person was from the credit fraud dept. I asked him XXXX got my credit report when I had a Fraud alert and a credit freeze on my credit reporting. He said they had been lifted. I advised him how did they get lift and all he say was I did not request a pin number, which did not ask me for one

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