BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Approximately XXXX of 2019 I requested that Bank of America would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is Bank of America 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the Bank of America cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with Bank of America for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of Bank of America to make this right. They collect fees but have no contact available through their automated system to contact this department.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX  would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}

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 2023-12-14
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Even if it's to talk to someone in Chime Headquarters. I request my account be opened immediately. I hope for an apology. I am desperate to get help. It has been very stressful, time consuming to being swallowrd in a matrix of red tape and run in circles going nowhere. I attached screenshots of email logs to emphasize the time and effort. This does not include online chats and telephone call.Would you kindly help me? I believe Chime still has to review money stolen from unauthorized purchases. I have submitted my state id ( expired and to be msiled to me ) along with a document from the state to accept my ID until my new card is maled, my social security card, and my US Veteran card.I have a social security deposit coming up in two day and bill to pay. 

Thank you very much for your help. 
Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-18
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MD
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 the first attempt on this particular matter concerning incorrect addresses and inquiries being reported. Please view the attached documents for further details. Thank you.

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 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am SERIOUSLY being harassed by CapitalOne. I have had a credit card with them for years. I changed my phone number almost a year ago and tried going online to report this during the summer of XXXX. I have called CapitalOne to tell them of the change and they have locked out my account and classified my account under fraud. I have called them back, including tonight, XX/XX/XXXX, to request the pay off total to close the account altogether. Despite providing CapitalOne my account number, social security number, bank account information where my payments come from, they REFUSE to provide me with any information. I can't get my pay off total using their online services or from the idiots they employee over the phone. 

I have made ALL of my payments to CapitalOne and don't believe I have ever been late. I am a XXXX good customer and they should be thanking me for using them. I am XXXX years old and believe I am being harassed by CapitalOne with continuous hassles. I AM IN A PROTECTED CLASS AND NEED TO BE ASSISTED WITH CAPITAL ONE PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
I REQUESTED INFORMATION FROM EACH COMPANY ASKING THEM TO PROVIDE PROOF THAT THESE ACCOUNTS BELONG TO ME. THEY DID NOT PROVIDE PROOF AND THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT PROVIDING PROOF THESE ACCOUNTS BELONG TO ME. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEENSTOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I own a title insurance agency in Pennsylvania. I have been banking with XXXXXXXX XXXX, XXXX since XXXX. XXXX XXXX holds all escrow account, and daily operating accounts for said business. 

On XX/XX/XXXX a fraudulent check cleared our escrow account for {$9500.00} - the check was clearly a fake, with smudge marks, inaccurate seals, missing telephone numbers, incorrect check numbers, invalid authorized signatures, etc. The check was NOT indorsed or stamped. The fonts did not match our check stock. The check was clearly done as a mobile deposit, and in the subject area had " commission '' listed. 

I received my 89 page bank statement with all copies of checks in XXXX- Did not notice the check clearing escrow because the amount did not stick out, when we clear thousands of checks a month. 

A XXXXhird party reconciliation company XXXX XXXX XXXX, does our third party escrow reconciliations- and brought to our attention this check that did not match up to a file or ledger. Immediately we contacted XXXXXXXX XXXX, contacted customer service, and filed a complaint. 

XXXXXXXX XXXX returned the claim on XX/XX/XXXX stating that " Given the account agreement and based on a review of applicable law, we feel we paid the check in good faith and upon the exercise of proper care '' WRONG- this check is clearly a fake. This check was cashed, without any endorsement on the bank. This check was signed by not an authorized signor with a magic marker or stamp that is not the same name, nor similar signature as the company primary. 

I contacted the XXXX XXXX manager assigned to my business accounts- when she finally returned my phone call she stated that the reason this claim was denied is because it took ME too long to file a claim. Meanwhile I filed the claim as soon as it was brought to my attention/ after going through the monthly due diligence of escrow reconciliations. This happened during the end of the year - the busiest time, and the bank is not willing to help. 

Furthermore, this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX manager will NOT supply any information for me to be able to file a police report. After asking numerous times, they have not and will not supply information regarding the bank this cleared through. 

XXXXXXXX XXXX is taking no fault on this. Which is bad business - Escrow money is not ours - it is the consumers money. There was not a fraudulent check written by this company- it was written by someone trying to defraud a title insurance company, and they succeeded - the bank has insurance in place to cover fraud, and are blatantly not caring about the consumer. 

This situation is at zero fault of the title agency involved and we would appreciate the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
I have paid all my bills on time and decreased my balances and the dropped my credit score by XXXX XXXX  when I contacted them their response absolutely makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TX
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 following accounts are INVALID and must be REMOVED from my credit report immediately : 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 XXXXXXXX ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or equifax, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : ( experian ) XXXX XXXX XXXX XXXX XXXX Is this the same account? 

1, In XXXX, XXXX Experian reported ok ( paid ), but in XXXX XXXX  XXXX reported the date of XXXX delinquency. Which bureau is 100 % accurate? 

2. In XXXX XXXX Experian reported ok ( paid ), but in XXXXXXXX XXXX XXXX reported 30 days late. Which bureau XXXX % accurate? 

3. In XXXX XXXX XXXX XXXX XXXX Experian reported paid ( ok ), but XXXX reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?

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 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
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 one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-12-13
Company: Premium Credit Bureau
State: FL
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/2023, an unauthorized hard inquiry was made by PREMIUM CREDIT BUREAU on my Consumer credit report. I first called the contact number associated with PREMIUM CREDIT BUREAU, who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, XXXX told me as the creditor they do have control. After, I called XXXX back to dispute the fraudulent activity, I was told the inquiry would be removed within 24-48 hours. Not even 24 hours and XXXX has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give XXXX permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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