BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: CITIBANK, N.A.
State: VA
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:
Citi Bank closed my account with no prior explanation of my account being up for closure. I was on a Catch Up arrangement with them that specifically states the account would remain open while on that arrangement. I was told that it was broken when a payment was not made on XX/XX/XXXX but my email states a payment was not to be made until XX/XX/XXXX. When I spoke with someone today they advised that the online tool they provide customers does not give all details so thats probably what happened. I do not feel I should be penalized for their systems not being aligned with their practices. I am willing to pay my balance and bring my account current to reopen my account. This should have been fully explained on their website when enrolling in a payment plan if the account is past due a certain limit a deposit be received or it should be explained that whatever the past due amount is needs to be paid by a specified date or the account will be closed. I never received an email, call, or text letting me know that my account was reaching a time for closure. I was trying to do the right thing with setting arrangements to prevent this from happening and it happened anyway. This is very deceptive and unfair.

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 2023-01-11
Company: Experian Information Solutions 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:
I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are 9 address there are not linked to me in my report XXXXXXXX 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 2023-01-11
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Due to insufficient due diligence, Affirm helped to finance a Ponzi Scheme by XXXX XXXX, and has direct liability in this issue since it was helping to finance XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out : XXXX XXXX XXXX XXXX XXXX  has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. This is yet another reason why the CFPB needs to have better oversight over the XXXX providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a letter to all three credit reporting agencies requesting they investigate XXXX XXXX  card # XXXX claim that I am responsible for this debt. I received a report from each agency saying the disputed debt has been verified as accurate and updated. 
They simply identified the account name and number, balance date opened and date closed. 
They did not investigate if the debt was my responsibility. The debt was my wife 's who is deceased. I was an authorized user, not a joint owner. Therefore I'm not responsible for the debt, and past due amount. The debt should not be part of my credit report. My wife simply called and asked that I be issued a card. That I was authorized to use her credit card. I never signed anything that made me a joint owner of the 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC 1692g ( b ), give notice that.

1. The Consumer request verification of the debt.

2. The Consumer request validation of the debt, to wit, the chain of title to the debt and a history of changes and payments thereon.

3. The debt, or a portion thereof, is disputed.

4. The Consumer requests the name and address of the original creditor. 

ACCOUNT INFORMATION FOUND ON CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-15
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXXXXXX

PLEASE REVIEW AND OPEN ME MY ACCOUNT.  I WAS INVITED BY YOUR COMPANY TO APPLY, I DID. MY SCORE IS XXXX I really need this account to be opened. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Financial reported late payments to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. Toyota reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with Toyota and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contacted the original creditor ( XXXX XXXX ) and all XXXX credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a new customer of Bank of America. 
It's been about XXXX. 
I deposited my payroll check through ATM on XX/XX/XXXX. 
The payroll check is a Bank of America account too. 
The next day which is XX/XX/XXXX, my check is been on hold so, I went to the Bank of America branch and ask them to release my fund. 
But they said they can't release because my account is a new account. 
So, I complained about that because my company check was cleared that day. 
The check was on us check, that's why I thought they could credit the fund to my account immediately. 
But they said they can't because of the bank policy. 
The check will be available on XX/XX/XXXX. They gon na hold my check with 10 business day!! 
I can't pay my rent and utility too. 
How come they hold 10 business day the on us check even they took the money from my company account. 
I'm very upset and so sad. 
I think it's not fair!

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 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
Please remove the following inquiries that I did not authorize from my credit report XXXX. XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: M&T BANK CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I started a custodian savings account for my granddaughter On XX/XX/XXXX From peoples Bank there was {$460.00} in the account M & T Bank took over XXXX Bank and I received no statement till XX/XX/XXXX The balance in the account was {$410.00} which they were taking {$7.00} out each month for a service charge on a custodian account which they were not supposed to. I have called the XXXX number between XXXX and XXXX times. Getting absolutely nowhere. Talked to a supervisor XXXX XXXX XXXX weeks ago and she was supposed to return my call the following Monday six Mondays have gone by and I still havent gotten a call back. I have called the bank once a week for the past several months. The account should have {$470.00} in it and after XXXX phone calls they did reimburse three or four months which brought it up to {$430.00} they still need to Reimburse the account for five more months of service charges. I would appreciate your attention in this matter. 
I have copies of pass book and statements I wasnt able to attach.

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 2023-01-18
Company: AES/PHEAA
State: PA
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 a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX . The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX. The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX  for servicing. 

Both XXXX XXXX and PHEAA  Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was frauded out of {$24000.00} from my saving account via a wire fraud scam. The person doing this moved money around to various account we have and also transferred {$13000.00} from my daughter saving account To our account to wire transfer.

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 2023-05-09
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX XXXX Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of CHIMES affiliates. Chime blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send Chime a " yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and Chime is trying to cash it for the thieves. I can not buy an Anti-virus subscription for approximately 30 dollars without CHIME blocking the transaction and requiring I send them a " yes '' in a message. Also, Chime would require a phone call in which you have to give them all of your personal information on transactions they have blocked. When you reply to CHIME to stop blocking your transactions, CHIME 's reply is you must send them a " yes '' Inadvertently, your " yes '' is being used to cash a check. Also, CHIME has two email addresses for my account. One of the email addresses was never given to CHIME and yet it is the same email address that has been compromised on the dark web. It is time for the US government to stop this company of outlaws from operating in the US. Finally, CHIME is allowing other criminals to cash checks through my checking account and the funds never show up on a statement. CHIME 's is money laundering stolen checks. This bank needs a forensic audit and a government investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: IL
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 contacted the credit bureau because I had 4 fraudulent accounts from XXXXXXXX XXXX they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks

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