BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

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 2023-02-23
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX y.o. son has at least one CHIME account with a debit and a visa card. He passed away on XX/XX/2023. He was not married nor does he have a wife or dependents. I have his wallet, CHIME cards, death certificate and critical information and reached out to Chime via customer service # XXXX ( on XX/XX/ ). After 15 minutes trying to navigate their IVR with no success to get a human, I leveraged an email on their IVR to send an email for support assistance. I need to close his account and speak with someone to determine what to do next given he has $ XXXX plus in deposits. He was a XXXX veteran and received a XXXX check of which some may need to be returned to the VA with the rest of funds intended to pay debts/put towards funeral costs incurred. 
I sent an email to XXXX per IVR recording. I included details including name, date of death, last 4 of sin, last 4 of card # 's and a request to get help to process details. 5 minute later, received an automated response to log on to site and change info which I can not do since I don't have access and he is no longer alive. I called back to the XXXX for Chime and after pushing countless buttons, was finally able to get to a customer service rep ( XXXX ) who told me they could not pull account up ( in XXXX ) and to send email to maintenance team at XXXX with copy of license and death certificate. I asked to file a complaint, received a Supervisor ( XXXX ), tried to get him to document deceased sons account. He gave me a ticket # but said he would not document as against protocol. He instructed me to send an email to Chimes email address to which I already did. I sent a second email with Drivers License and death certificate and an hour later, received the same exact canned response. My son is dead and I need Chime to help get things resolved ( close account and help with steps needed to release funds so we can settle with the VA and other entities as needed ). He did not have a will. I am in a horrible loop that I can not navigate. Please help. I did not attach an email given this says to not attach personal information. Please advise if you need details and where to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX Balance : {$800.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-11-11
Company: Block, Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Used atm to get XXXX cash, receipt shows requested XXXX dispensed XXXX ... .Transaction is not approved! ... ..communication error when receiving data. They are saying it will take up to 10 days for me to get my money back. Which they refunded the fees immediately when it was not approved but they are keeping my XXXX for 10 days ... .This is not right, they have all information and copy of receipts to show money was not given but the don't want to give me my money back right away, but they gave me the fees right away ... this does not make any sense of why they are holding my money when it should of never been taken in the first place and they know it. That money was for bills and now I'm having to pay XXXX everyday I don't pay the XXXX back ... .I borrowed this money to pay this bill and they are keeping it for no reason at all and it is causing me XXXX a day everyday they keep it. So, I want them to be responsible for these fees I'm accumulating because they won't return money they know is due me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make any this charge. I ask that the items get deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: AL
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:
ACCOUNT NUMBER : XXXX I submitted a dispute to Experian regarding XXXX XXXX. The account is reporting Paid but also shows a charge off amount. XXXX sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX XXXX sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to Experian that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted XXXX and Experian and asked them to correct their error but, as you can see by one of the attachment, Experian is stating that they have contacted XXXX and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED 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 explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report with Transunion, XXXX and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NJ
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 Second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in XXXX is ridiculous and as a consumer I am sick and tired of it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 received a letter from American Coradius International LLC ( ACI ) saying that this " XXXX XXXX '' ( notice no middle initial and last name removed ) owed {$270.00} in a XXXX account that they are collecting for. There are hundreds of XXXXXXXX XXXX in the United States. This XXXX XXXX XXXX has never had a XXXX account, so it's impossible to be in arrears to XXXX or ACI! XXXX won't answer any inquiries because the " debt '' is now ACI 's. Contacted ACI by phone XX/XX/2020. Got a lot of doubletalk without any resolution. On behalf of all the other XXXX XXXX in the United States, who were " cold-lettered '' also, I just wanted to submit a CFPB Complaint for the Record. I told ACI that I was going to file a CFPB complaint. How many elderly " XXXX XXXX  '' received the same ACI letter indicating they would accept a lower payment of {$200.00} to consider the matter closed. Would have been nice for ACI to enclose a photo copy of the XXXX account that I never had!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I cant affort payment due to C O V I D - 19, and as a result, I missed several payments. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair letsier, please find the late payment dates below ( which I would like removed XX/XX/2022 can you reduce my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
During the pandemic my company cut back hours and unfortunatelyshut down due to Covid. I lost income, therefore I contacted credit acceptance the company I had a car loan through. To make payment arrangements which I continue to keep up, if I couldnt I would contact them to modify the arrangement. My vehicle I finance through credit acceptance was almost paid off. Well XXXX night I was awakened to a loud sound coming out my yard. It was my vehicle which I financed through credit acceptance being repossessed, snatched out of my yard without any notice. Credit acceptance did not contacting me giving me any information that they would repossess my car before repossession. After communicating and making payment arrangements with them I trusted they would do the right thing. My vehicle was nearly paid off. I have been without a vehicle every sense. Credit acceptance have put a ridiculous dollar amount and Put voluntary repossession on my credit to XXXX, XXXX and XXXX XXXX and that not the truth.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I own a home and the adjacent lot ( which has a mobile home. ) I obtained a reverse mortgage on my home some years ago. I put the lot up for sale and the legal description for the reverse mortgage is for both parcels. 

Initially the mortgage company required I divide my parcel into two, separating the mobile home parcel and the parcel with my home, in order to qualify for the mortgage. 

The legal description was not updated before closing my loan and thus the additional parcel is also burdened with the reverse mortgage. The escrow company, XXXX XXXX, prepared a correction deed which PHH has never acknowledged. 

For 7 months myself, the escrow agent, the loan officer, my agent and myself have been trying to get this corrected. I have already lost a buyer and I can't offer the property again until the title is clear. The market is going down, this has cost me money. I was selling the mobile home parcel because I needed the money, the several additional months has cost me my credit, additional late fees, utility shuts offs, etc. 

We are all beyond frustrated. What more can we do to get a response from PHH. What recourse do I have and how can I fix this?

Company response to consumer: Closed with explanation