BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Thank you Chime for helping out, I reached out because there was unauthorized transactions on my account and filed a claim for one of them. 

The agent didnt add the rest so I had to go back and start a 2nd claim to rectify the remaining ones. 

Original claim XXXX During the investigation, Chime found out I was not at fault for the fraudulent transactions and was refunded because they saw the transactions were not coming from me. 

The remaining transactions need support as well, its from the same merchant and have been waiting for help. 

The first one from XX/XX/XXXX, Case # XXXX was approved because Chime saw they were fraudulent. 

I need help with the remaining transactions dated below please : XX/XX/XXXX - {$350.00} XXXX XXXX - {$490.00} XXXX XXXX - {$140.00} XXXX XXXX - {$450.00} XX/XX/XXXX - {$420.00} My new claim number is XXXX I need help approving these for refund please and thank you I have a XXXX Police Report for these, report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: DE
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-04-24
Company: Afterpay US Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello. I made a purchase on XXXX for a XXXX XXXX XXXX XXXX in-store at XXXX using my AfterPay ( order # XXXX ) for a total of {$200.00}. 

1. I returned part of the the order XX/XX/XXXX at XXXX in-store. ( Refund of {$75.00} ) 2. I have both copies of the original purchase and a copy of the refund receipt. 

3. I contacted AfterPay via their online app message center on XX/XX/XXXX telling them the return was not given. 

4. XX/XX/XXXX AfterPay wrote back Please note it can take anywhere within 5-7 working days for these funds to clear into your bank account once the refund has been processed by Afterpay. 

5. On XX/XX/XXXX, I contacted the retailer in-person about not receiving a full refund and they sent me a response stating they did in fact give me a full refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue ( see attached email from retailer ). 

6. On XX/XX/XXXX I wrote AfterPay again via their online app stating its been since XX/XX/XXXX and I have yet to receive my refund and that the retailer provided copy of their investigation and its shows they did process my refund. The retailer said I should to contact AfterPay to troubleshoot the refund issue. 

7. XX/XX/XXXX AfterPay responded Upon reviewing, we havent receive any refund from the merchant. Please be advised that the merchant have full control on their return and refund policy. Kindly contact the merchant to make a follow up or to check the status of your refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: DC
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've disputed and I've written, letters to each Bureau and XXXX, XXXX, and Experian have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXX Experian : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

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 2022-06-26
Company: EQUIFAX, INC.
State: DC
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've disputed and I've written, letters to each Bureau and XXXX, Equifax, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

Equifax Confirmation : # XXXXXXXX XXXX : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account with Equifax for showing it Charged Off over and over and they continue to report false information and continuously change and update the information. This is falsely manipulating the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Transunion and dispute the information. Sent a letter requesting Mov.

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 2020-04-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have {$100000.00} in student loans. A HUGE portion of that balance is due to interest. Once I graduated college back in 2002, I could not find a job right away so I was instructed to just use my forbearance for the loan. So then I decided to get my XXXX  to further my education in hope 's of getting a better job but XXXX University is not as credible as they said they were which is another crime. When I finished my XXXX, I still was not able to find a job where I could afford life and school loan payments. So I was instructed to just use my forbearance and when that ran out, my deferment since I could not afford the payments. 

This has been going on for the last 10 years. I have literally called every year to see if there was a program or way I could afford monthly payments and loan representatives continued to say no and that if I could not afford the payments then I needed to just defer or use a forbearance. 

Fast forward 10 years, I am married and have XXXX kids and I XXXX XXXX XXXX mom. Now that I'm married, I'm worst off than I was when I was single because I have to include his salary. With his salary I would have to pay $ 500+ on any type of repayment plan which is extremely unrealistic for a family of XXXX. Not to mention all of our other bills. 

I took out the loans and I am responsible for the initial loans but for the service provider to instruct me to use forbearance and deferment for all these years instead of helping me find a program like the income driven or income contingent could have saved me at least {$40000.00} of interest that I am responsible for paying. 
I plan on sacrificing and working in public service field but I still need to find a repayment plan that I can afford to make the 120 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: WELLS FARGO & COMPANY
State: LA
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:
I found out im not legally divorced which was suppose to happed in XX/XX/XXXX. My husband at the time served me divorce papers personally. I was not properly repelresented by any of the lawyers that I hired. I found out XX/XX/XXXX that am still on a mortage at Wells Fargo. I went through idenity theft in XXXX or before where my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX, my emails, especially with XXXX were all hacked and had a hard time reporting to the police station here in XXXX XXXX. I dropped out and was on honers due to this. I attended XXXX and my finanical aid microst software was used for other students. I was getting their grades. I have all this proof of evidence. Now, I'm getting a bill from The Dept of Justice to return a pell grant after trying to show them this evidence. On my credit report, i do mot see any updated information of me. There are many diffetent social security numbers, addresses of my spouse, his mother. My name is in many formats and my deceased grandmother name is as a name for me. I see many of my hacked numbers, my spouse numbers and others I do not recognize. My jobs I work is input wrong in mamy ways. My XXXX XXXX has my old boss number on it and I i never placed it on it plus my old hacked number is on my profile. Also, i did not file a 1099 in XXXX as stated.I know I said a lot ; however, I have been dealing with this since XXXX and this is the first time filing a report here.

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 2022-06-06
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY SERVIC for committing identity theft. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AD ASTRA RECOVERY SERVIC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTRA RECOVERY SERVIC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY SERVIC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY SERVIC continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY SERVIC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for 18month of payment assistance from XXXX XXXX XXXX and only 2 payments have posted on my account no payment was made since XXXX so my account is extremely past due for XXXX, XXXX, XXXX payment please help me get these payments applied! I recently received a letter stating my mortgage with transfer to XXXX  as of XXXX XXXX but my account is past due from payments not being applied from XXXX  so what is XXXX  puts me in foreclosure please help me bring my account current before the transfer also I have called XXXX  requesting tickets be put in on applying my payment because XXXX stated they have been sending out payments the XXXX of everY month. Please help me find a solution to get my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Nelnet, Inc.
State: GA
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:
On XX/XX/XXXX I disputed all inaccurate info and violations done by nelnet. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. Nelnet is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: M&T BANK CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
during a merger process between People 's United bank and M & T this month, the bill pay section of my checking account ( People 's United ) was left out of the transfer process. as a result the automatic payment ( attached to the checking account ) that was set up, were not made. I reached out to M & T XXXX after receiving a call from a payee about missing payment, spoke to supervisor XXXX to see about possibly restoring bill pay to account or relief with possible late fee I may have incurred. I was met with platitude and no real solution to the problem, they have created. prior to merger, there were no communication about possible glitch with bill pay or about feature not transferring with checking account. as a customer I am left scrambling while the bank hold no responsibility. so far this is the problem that I have encountered with this merger. I wanted it noted that I currently live in a state ( GA ) that does not have an M & T branch.

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 2022-06-26
Company: EQUIFAX, INC.
State: MI
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 written several letters asking equifax to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
could not respond with info about payment asked for history of payment several times never got that info, just received, with all XXXX 's of errors, do you want me to fax this XXXX sheets, please give fax number to much to send mail, this still as not been resolved errors still even on XX/XX/2022 statement, they are still having difficulty proving which one of these four WHAT EVER THEIR GOING TO USE THIS WEEK!!!! NEVER HAS BEEN REPAIRED, BLOCK OUT BY XXXX COMPLAINTS DEPT XXXX AND XXXX THAT KEEP MAKING THE ERRORS AND TELLING YOU THE ACCOUNT HAS BEEN REPAIRED. CAN NOT ACCESS MY ACCOUNT EVER, AUTO SYSTEM, ACCOUNT INFOR STILL WRONG, ON LINE BANKING STILL WRONG BEHIND SEVERAL PAYEMENTS, NOT EVER FIX. HELP THE NEW COMPLAINT IS FOR THE SAME STILL NOW PASSED ON AGAIN TO XXXX????? SAME DEPT. 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 non-monetary relief