BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan.

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.

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 2023-04-20
Company: Capio Partners, LLC
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: Account information incorrect

Complaint:
Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in XXXX ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank purchased my mortgage effective XX/XX/2023. Bank has not sent any statements, just mail and spam to pressure me into automated payments or on line banking. First call to customer service, they verified that they will send a monthly statement via mail as was the case with XXXXXXXX XXXX, from whom they bought the mortgage. 

Call today first disconnected, then no one picked up. 

As far as I can see this institution is not living up to the terms of the loan as it was set in the original contract. 

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: TN
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 is reporting a account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over 30 days. Equifax is also reporting a account name XXXX XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them 30 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: DISCOVER BANK
State: IN
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:
Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. 

On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. 

As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. 

I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.0XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
Recently, I did an investigation on my creditr report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
In XX/XX/XXXX, I went to a bank to open a checking account and was told I was placed on a bank checklist by the Bank of America ( BOA ) XXXX, MD branch and was not allowed to open an account. I visited the XXXX branch on the same day and spoke with the XXXX XXXX who gave me the number to BOA headquarters to discuss monthly fees charged to my account which had been inactive prior to XXXX. I spoke to a representative at BOA  headquarters who stated that I owed {$2000.00} in mostly bank fees but she could settle for {$1000.00}, which I did not have at the time. On XX/XX/XXXX, I returned to the BOA  XXXX, MD branch to pay the {$1000.00} settlement. The bank had a record of my call to headquarters but no record of the negotiated amount. I called BOA  headquarters again from the XXXX XXXX and a bank representative named XXXX told me and the XXXX XXXX XXXX  that the full amount of {$2000.00} was due because the bank does not settle. It is BOA 's policy that any account that is in the negative and inactive for 120 days or more shall be closed. Again, the account had been inactive prior to XXXX yet monthly fees of {$29.00} were charged through XX/XX/XXXX. The beginning account balance on XX/XX/XXXX was - {$890.00}. The beginning balance on XX/XX/XXXX was - {$2000.00}. By the end of XX/XX/XXXX, after an additional fee of {$29.00} was charged, the balance was - {$2100.00} and BOA  closed the account. After attempting to settle this matter by paying {$1000.00}, BOA  refused to accept that amount and I remain on the bank checklist, unable to open an account. As a consumer and business owner, this unfair and predatory banking practice by Bank of America has caused me 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 explanation
Consumer complaint received 2023-07-19
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on XXXX, its giving me XXXX  and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX- # XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.

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 2023-04-20
Company: EQUIFAX, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( Original Creditor : XXXXXXXX XXXX ) XXXX and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NV
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-03-15
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX of 2020 I was sentenced to a treatment center in XXXX fl called XXXX. while there I injured myself and went to the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. about 6 month later I got the bill for XXXX dollars and couldn't pay it as I was uninsured and not working at the time because of covid-19 pandemic. so the bill was sold to a collection agency and I haven recovered financially to pay this debt and need help resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX have 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 an 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 2022-11-07
Company: MOHELA
State: TX
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 had a transfer of loan servicer to Mohela when my previous XXXX XXXX  was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was paid {$1700.00}. The morning of XX/XX/XXXX I received via e email notification from Chime that my email, phone number and address had been changed. Upon receiving these emails I immediately contacted Chime and said these changes are false that I did not authorize these changes. In the conversation, I learned that my cards were considered lost and a temporary replacement was ordered and to be mailed to the fraudulent address. During the conversation, as I was looking at the account, there was an unidentified and unauthorized charge of {$1000.00} to XXXX XXXX. 
I was told by Chime to wait until the charges are not pending anymore. Then I can file a fraudulent charge claim. 
On Monday XX/XX/XXXX, the charge went through. Immediately I filed a fraudulent claim charge. 
On XX/XX/XXXX I received an email from Chime stating the charge was not done in error and therefore was not refunding the money to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Went to Wells Fargo Bank on XXXX XXXX XXXX XXXX XXXX XXXX ) and closed the Money Market Account at XXXX XXXX on XXXX. 

Banker closed the account but couldn't print a check or reopen the closed account. I WAITED UNTIL CLOSING TIME AT XXXX XXXX CST, AS THE OFFICE CLOSED. Banker was put on hold with their tech department and yet nothing could be done. 

I departed the bank and as of now, no call nor a notice of when funds will be given to me. FRUSTRATION AND LACK OF TIME TO HANDLE THIS BANKS INEPTNESS IS BEYOND COMPREHENSION. 

I am a XXXX XXXX, a XXXXXXXX XXXX and an XXXX XXXX of a XXXX Veteran ... ... so how does one get anything done. Please provide me a solution or investigate this banks procedures and a contingency plan for such issues.

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 2023-04-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear support Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies or engaged in any activity that would warrant a permanent limitation on my account. I have always used my account in accordance with the terms and conditions of PayPal, and I have never engaged in any fraudulent or unauthorized activity. 

Secondly, I believe that this limitation was placed on my account due to a misunderstanding or error on PayPal 's part. I have not received any communication from PayPal regarding the reason for the limitation, and I am not aware of any suspicious activity or violation of policies on my account. 

As a loyal customer of PayPal, I strongly believe that the limitation placed on my account is unjustified and is causing me undue hardship. I am unable to access my funds, make payments or receive payments, which has caused significant inconvenience and financial loss. 

Therefore, I kindly request that PayPal re-investigate my case and restore my account if possible. I am willing to provide any additional information or documentation that may be required to resolve this matter. 

Finally, I would like to confirm that the email address associated with my PayPal account is XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
I have sent multiple disputes and made phone calls to remove the medical bills with no resolution the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have XXXX accounts through Capitol One. I have an auto loan with XXXX XXXX interest which is fine but I have a credit card that all of a sudden jumped to XXXX XXXX interest which is absurd. I never miss a payment and always pay on time. Ive contacted them several times to get my rate lowered and they refuse. The agents Ive spoken too are not even in the XXXX and act completely unprofessional. I tried to get ahold of them on XXXX and the moment I discuss lowering my interest rate I hear nothing back. My credit is between XXXX and XXXX. They are charging me predatory rates and as soon as I noticed the increase on my monthly payment I contacted them but they neither explain nor help. The only thing this company did do is to raise my credit limit which is ridiculous and I never requested it. This should be illegal. Its not about the economy this company is greedy and predatory. This needs to be addressed.

Company response to consumer: Closed with explanation