BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: WELLS FARGO & COMPANY
State: AZ
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 have been a victim of identity theft XXXX and Wells Fargo have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.

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 2020-01-05
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 Fraud Department unfortunately has not corrected errors in my Equifax Consumer report. XXXX/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in a constant dispute with OneMain over an account I discovered reporting on my account. The account has been charged off and is even reporting as a charge off but OneMain continues to report a past due balance even tho they have clearly stated that this account has been written off. They have stated time and time again that they can only report information accurately and my scores have been severely impacted by this lie and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I dont remember this account also they been harassing me an my family members for over a couple months

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 2018-12-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unfortunately I trusted Citi Bank with my checking needs and they have lied about my account bonus multiple times On XX/XX/2018 I opened a new checking account with Citi. I already had a credit card with them and on my online account they had advertised the following offer : ** " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1. ) Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 2. ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' ** I met those requirements, called and chatted multiple times with Citi representatives who said the offer was on my account and would be given within 90 days of meeting the requirement. 

On XX/XX/XXXX it had been 90 days since I met all the requirements and the terms said the bonus would be posted by then. I called after XX/XX/XXXX and said I still haven't received my bonus and a representative opened an investigation and said it would be given within 2 days. I called three days later and they said the same thing, I called again on XX/XX/XXXX and they said it will now take 60 days to process the bonus .... 

This absurd given the fact that multiple citi representatives said  otherwise and that it would take so long to honor a bonus that I have confirmed that Citi already knows is attached to my account and they have confirmed I have met the bonus. I met the requirements for the bonus on XX/XX/2018 and they are just stringing me along for the ride. I'm really disappointment with Citi and they integrity and honestly dealing with this issue.

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 2022-06-15
Company: EQUIFAX, INC.
State: GA
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 -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # # # # # # XXXX - XXXX XXXX BANK NA Account Number : XXXX XXXX - XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 2022-06-10
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, and XXXX  - Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-01-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Personal check was written XX/XX/XXXX for XXXX dollars to an individual XXXX XXXX. It was mutually decided that the funds were no longer to be paid and the check was meant to be voided and destroyed. The check was then cashed on XX/XX/XXXX without my authorization. I notified Chase bank on XX/XX/XXXX when I discovered the withdrawal. No resolution with Chase as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account was agreed to be deleted after being paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: I.C. System, 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:
XXXX XXXX XXXX FL, Out standing bill {$260.00} paid XX/XX/XXXX Shows up on credit report for collection XX/XX/XXXX I C systems inc. collection is only taking paper information by mail, for proof its paid, That was mailed out XX/XX/XXXX Today I called they have not received anything, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have called and faxed my request 4 times to have my personal information corrected and addresses and name variations corrected. This agency keeps telling me that I have to fax all kinds of personal info including a few of my bills which I am not comfortable doing. I have provided my drivers license and social that should suffice.

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 2022-09-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I first applied for PSLF in XX/XX/XXXX. I have always been on a qualifying payment plan - since XX/XX/XXXX when I first consolidated with my spouse- I have had one loan ( even though this was a consolidated direct loan ) - forgiven, but for some reason, they have left me in administrative forbearance with this " second loan '' for 3 years. 

My qualifying payment counts keep going up, I reapply every time they do, but I now have AT LEAST 163 qualifying payments and am still not being forgiven. I have been told by student aid. gov that Fedloan needed to remove the forbearance for me to be forgiven, Fedloan said that's not true, so they did not. I have been told that the second loan is my spouse 's part, but he died in XXXX, before I ever applied, and, edfinancial, our previous servicer, said they had forgiven his portion. 

In the meantime, the waiver comes along, and people who were never even eligible are being forgiven and getting thousands of dollars back, and here I sit, watching my qualifying payment count go up, reapplying over and over and over, and am still not forgiven. 

Also : Fedloan is supposed to be transferring these to XXXX, I have not heard one word that I will be transferred or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2018-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
My soon to be ex-wife forged promotional checks in XXXX against my Bank of America credit card for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT XXXX # XXXX. She was arrested on XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest on XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00}. Her judicial case is docket number XXXX. 

Charges include 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$2000.00}, on XX/XX/XXXX check forged {$500.00} ; on XX/XX/XXXX check forged for {$1000.00} and ; on XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$5600.00} ( including transaction fees ) was charged against my account. Charges were removed from my account in XX/XX/XXXX under fraud claim # XXXX but then reapplied to my account in XX/XX/XXXX before the local authorities took action. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to XXXX  XXXX XXXX through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to XXXX  XXXX XXXX for over 20 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Sunday, XXXX I tried to make an XXXX purchase on XX/XX/XXXX. During the checkout process, I received an error message : " We can't process your payment. Try again, or select a different payment method to check out. '' I used a credit card for my purchase and did not select the PayPal option. 

After several calls to XXXX support, I learned that the error message is : " Payment Validation Error - XXXX '' The final decision from XXXX support was for *me* to call Paypal to determine the reason my payment was not accepted. Paypal is XXXX 's primary transaction processor and it was probably the root cause that my payment was not being accepted. After a lengthy conversation with Paypal it turns out that my Paypal account has been blocked due to suspicious activity. Here is the notification : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. 

In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. 
Reference ID : XXXX '' I have known about this problem for about 3 - 4 months and have been able to make credit card purchases on XXXX which should have nothing to do with Paypal and have previously worked. Now, every purchase that I try to make via XXXX is getting blocked by Paypal. Please keep in mind that I am not selecting the Paypal option, it's just that Paypal is blocking all of my credit card payments before the transaction can get to my credit card company. 

I have had an XXXX account and Paypal account since XXXX. I have been through a couple of reactivations where I did not use the platform for long periods of time. I don't mind and want to close my Paypal account because I don't believe they should have control over my ability to transact online commerce with XXXX. However, I am not allowed to close my account because of additional requested information. Of course, closing my account would limit my ability to sell items but I never used XXXX as a sales platform anyway. Given what I have learned during my ordeal, Paypal has the ability to hold your money for 180 days if your account is suspicious or banned. 

What can I do to allow standard transactions to occur on XXXX without involving Paypal? In other words, there are XXXX users that do not have Paypal accounts and are allowed to use their credit cards for payments. I would like the same courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2022-09-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Earlier this month, on about the 2nd of XXXX 2022, I attempted to open an online account with Chase bank. I deposited my XXXX relief check in the amount of, {$1800.00}. I tried to acces the account through the online application about 2 days later, and was already locked out of my account, was given a number to call to resolve the issue, I called and was told I would need to go down to the a local branch to present identification in order to have the account unlocked. The reasoning they gave was possible fraudulent activity.I went down to the local branch and provided my information. The person there told me that my account was already being closed. I was also informed by the same person that if the check was being processed I would be sent a cashiers check by the bank.If the check wasnt processed I would still be able to use the check at a different bank. I called about two days later to check on the status, and was told that the check had not been processed and that my account would just be closed. That was fine I went down to XXXX  XXXX XXXX, and opened a checking in the savings account with them I took the check with me to try and deposit it there.I was told by the people at XXXX  XXXX XXXX that the check had already been processed. this upset me because I was told on two different occasions by people at Chase that the check had not been processed.This was on XXXX XXXX I went down to the local chase branch and sat down and spoke with them in person again. I presented my ID my social and had the original check with me.The person at the bank called Chase headquarters and spoke with somebody in the fraud department for about 25 to 30 minutes there in front of me she told him I presented my identification and that I was sitting in front of her. they still refused to unlock the account and release the funds, at this point I was no longer interested in banking with Chase.I had already opened a bank account with XXXX  XXXX XXXX I was trying to move on and have the funds so I can deposit it with my new bank. here I am three days later Ive called them twice since then and they still will not release the funds from my bank account that I no longer want. I spoke with them this morning and theres still a hold on the account I informed them that I would be filing a complaint with the local and federal government.At this point I am extremely frustrated because this is Covid relief check from the treasury department Ive showed them IDs spoken with them several times presented them my Social Security card, and Im still not getting any positive response.Im not sure what else I can do at this point and that is the reason Im filing this complaint.

Company response to consumer: Closed with explanation