BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NC
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:
The attached letter explains the problems that I am having with the 3 major Credit Bureaus, XXXX, Equifax, and XXXX. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MD
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 mailed Equifax a letter on XX/XX/23 to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Paypal Holdings, Inc
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have been hacked and scammed over XXXX times and it continues to happen while my XXXX XXXX sits at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I can do nothing I have reported to Police, XXXX, OIG, AIG, CFPB, XXXX, XXXX and elected officials and the credit agencies and Pay pal before this charge even went through because I told them cause it was already charged on my account They did nothing at paypal to stop it and the other company said they were not going to remove it because I reported to paypal and they would get away with it and show proof on there end that they could get away with this, Please HELP, ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: PA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chime regarding their handling of my fraudulent transaction disputes. Despite providing the necessary information, Chime has declined my disputes without valid proofs or reasonings for doing so. 

The fraudulent transactions in question occurred on my account on XX/XX/23 at a XXXX XXXX XXXX XXXXXXXX XXXX for {$45.00}. I reported this transaction to Chime and filed a dispute. Chime has declined my dispute without any valid explanation or evidence to support their decision. Their resolution has been to issue me a new debit card when I reported the fraud and then decline my dispute. Theyre evidence consistent of a receipt from the merchant along with the merchant clarifying that SOMEONE grabbed merchandise there but no proof of it being me. The merchant ( XXXX XXXX XXXX XXXX ) claimed to have checked video footage however if they did then it would be clear that I wasnt the one who purchased it. Furthermore, they provided no proof of me ( XXXX XXXX XXXX ) scanning my ID for the alcohol beverages that were bought with my card unauthorized. 

I have provided Chime with all the necessary details to support my disputes, including transaction details, and other relevant information that they needed for the dispute. I have also explained that I did not authorize this transaction and have no knowledge of it multiple times to them. 

Despite my efforts, Chime has failed to provide me with a favorable resolution regarding my disputes. This has caused me significant financial and emotional stress, as I am unable to retrieve my funds or resolve this matter. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chime accountable for their failure to handle my disputes appropriately. I am also requesting that Chime refund the disputed amount IMMEDIATELY and take necessary measures to prevent any future unauthorized transactions on my account. 

Thank you for your attention to this matter. Below Ive attached pictures of chimes proof/ supporting documents for declining my claim as well as a screen capture of the charge Im referring to. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to start by stating this is not the first time WellsFargo Mortgage Company has denied helping pay my mortgage ; the first time was in XXXX. My husband and I was denied several times before they foreclosed on the home, even after catching up on payments and paying a credit card they claimed I had to pay that had nothing to do with the mortgage. I did not know at the time I could file a complaint of this sort. 

In XX/XX/XXXX XXXX XXXX, La was his with hurricane Laura then in XX/XX/XXXX we were hit with XXXX. Long story short the insurance company refused to fix home, stop answering my emails, dropped the insurance, and stop calling me. Then they filed bankruptcy leaving my home unrepaired with no walls or ceilings. Because the home was not completed, I was and still unable to get homeowners insurance, so WellsFargo insured the home which caused my payment to increase from {$650.00} to {$960.00} a month. I called them and explained to them I was not going to be able to pay that ; however, they claimed it was nothing they could do. I struggled paying it until several months ago when I became 2 months behind. They connected me with their preservation department where they basically had me send all of my financials to them not just my paystubs. They had me send bank statements, which I felt was not relevant because what I spend my money on is none of their business they just should have needed my income. I sent them everything they asked for and I was not surprised when they denied me. I am a school teacher who is on a sabbatical which means I will not be bringing home the same money as before. I will only be receiving 65 % of my check which I sent that paperwork them as well. If I appeal, it will be the same outcome. This is what they did to us in XXXX then foreclosed on the home. They denied us several times in XXXX ; they found every excuse to deny us help and I am most certain they will do the same this 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 explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient XXXX XXXX XXXX XXXX PA XXXX is the lender.. XXXX they are calling 5 to 6 times a day. " robocalling '' my work phone. 

I've asked them to stop but the calls continue... Even being paid up, it's now stop..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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:
Experian is refusing to provide proof of the debt owed that was remitted to them via a company by XXXX XXXX in XXXX, North Dakota. I have tried numerous times to gain compliance from XXXX XXXX to no avail. They refuse to respond to legal documents, certified letters and so forth. They are refusing to provide any proof of the debt owed not only to me, but to Experian as well. There is over {$11000.00} in unverifiable debt not only on my report, but my husband 's as well as they are claiming that this is joint debt.

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my Spark Capital One credit card account. I have encountered an unfortunate situation that has resulted in late payments being reported on my credit history, and I kindly request your assistance in resolving this issue in good faith. 

On [ date ], I received notification that my Spark Capital One credit card account was closed unexpectedly. This closure took me by surprise, as I have been a loyal customer in good standing for many years, consistently making on-time payments and maintaining a responsible financial history. 

Prior to the account closure, I had set up an auto-pay feature for my Spark Capital One account. This auto-pay feature reliably deducted the previous minimum payment amount from my bank account each month, ensuring timely payment of my credit card bill. However, after the account closure, I noticed that the minimum payment amount was not updated, and the auto-pay system continued to attempt to deduct the previous minimum payment. 

As a result, my payments were not covering the newly adjusted minimum amount, leading to late payments being recorded on my credit report. This situation has caused considerable distress, as my creditworthiness has been adversely affected due to an oversight beyond my control. 

I understand that the responsibility for updating the auto-pay feature after the account closure lies with the financial institution, but it has unfortunately resulted in negative consequences for me. Therefore, I am requesting your assistance in rectifying this matter and removing the late payments from my credit report in good faith. 

I have attached relevant documentation to demonstrate that my balance with Spark Capital One is up to date, and I have diligently fulfilled my payment obligations before the account closure. Additionally, I have initiated the necessary steps to rectify the auto-pay issue and prevent any further negative impacts on my credit history. 

I kindly ask that you investigate this matter thoroughly and work with Spark Capital One to ensure the prompt removal of the late payment remarks from my credit report. Your intervention will be greatly appreciated, as it will significantly impact my financial standing and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX Bank {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX XXXX1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I posted my room for rent on XXXX and a woman responded. She seemed very interested in my room. She told me she was in XXXX, that she was a humanitarian officer/medical officer and her boss was going to send me money for rent ( {$370.00} ) and {$200.00} for me for running around for her. I told her not to send me anything and to send it to the front office. She then told me her boss misinterpreted her and he was sending me {$4800.00}, this included her living expenses. She then asked me to cash that money for her and to send her the remaining amount to her travel agent via XXXX XXXX so that she could get to the US. I deposited her cashiers check into my checking account at Wells Fargo on XX/XX/XXXX. When depositing the check from her boss I asked the teller if the check would take 7 days to clear and she told me it would be clear by the next day. On the XXXX I went to the Wells Fargo in XXXX, AZ ( XXXX XXXX XXXX ) to withdraw the money, around XXXX, and send it to her travel agent. Prior to pulling the money out of my account I asked the teller if the check had cleared and she said yes. She said that she was surprised that it had cleared so fast, but it did. Then I withdrew {$4200.00} in cash to send to the travel agent via XXXX XXXX at XXXX. Then on XX/XX/XXXX I checked my Wells Fargo account to see that I was in the hole {$3300.00} in my checking account and that my savings account has been depleted. I originally had {$1400.00} in my checking and {$170.00} in my savings. Wells Fargo then said that the check should have been held until XX/XX/XXXX because there may be insufficient funds in the account of the person who sent me the check. When I told them the story all they did was put a fraud hold on my account and required me to pay the difference. I was told that if I do not start payments on the debt that was against me by XX/XX/XXXX then I would be sent to collections. I also involved the XXXX XXXX XXXX but they were of no help. In the end I had to take out a loan of {$5000.00} from XXXX  XXXX XXXX to pay off the debt and then closed my Wells Fargo Account.

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 2021-04-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
XX/XX/2021 XXXX took an unauthorized payment from my BMO Harris checking account. Causing my account to appear negative {$360.00} including the {$36.00} over draft fee. Now the defamatory implication to my credit history as am attempt is on line. I only encounter these types of banking issues when there is a third party form of unprofessionalism and technological distorted abuse as practice making or showing an unfair or prejudicial distinction between different categories of people or things. I have been in contact with XXXX since Monday XX/XX/2021 I was told it takes 1-2 days to reverse it is now Wednesday the XXXX day. Today I put a dispute in to BMO Harris professional XXXX and they are now only waving 50 % of the over draft fee. This is not acceptable professionalism. He contacted his manager XXXX and still no resolve. I am disheartened by this attempt to defame my creditability and feel the disparity. Please resolve

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have 19 hard inquiries from XXXX, XXXX XXXX  that I dont recognize and its hurting my score please help

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 2023-03-20
Company: EQUIFAX, 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:
Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have close to XXXX Amex points and they have frozen my account for well over 6 weeks saying that there is an internal review going on and they can't tell me when I will be able to use again. 

This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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