BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: PRESTIGE FINANCIAL SERVICES 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: Problem with personal statement of dispute

Complaint:
I previously disputed this with Prestige financial Services indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX XXXX and XXXX. It is reporting that the account was included in a XXXX XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX XXXX, and Equifax This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
BBVA- Compass bank offered a secured credit card and i deposited XXXX into a savings account only making XXXX available to the card. However i kept the card for almost 2 years never missing a payment and then out of nowhere i tried to login to my account and discovered the card had been closed. Left on auto pay to still take payments from my bank without me being able to stop it and or charging me interest on a account i did not opt or receive notice that it was being closed or why with perfect payment history and its my money!!! long story short the account has been closed since last year i don't want this auto draft i just want a check of my money owed to me period point blank. The account has been closed without my notice send me my money and end this business because i never did business with anyone as such and still bill me and its secured by my funds. Doesn't make sense at all to do this. I want a refund of my available credit and close it out completely there has been no activity since last year because we bought our home so spending on cards were out. you can't charge me for a account i put money on and you all closed and still have it on auto pay and collecting interest what a scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Chime via XXXX last year that I was told was closed on XX/XX/XXXX without ANY notice, email, call, mail, nothing! During that timeframe I had several claims of fraudulent use of my card earlier in XXXX that were investigated with most charges being found to be " erroneous '' and thus any provisional credits were finalized. However, in the midst of this investigation my account was closed and I was unable to use my debit card nor even sign into my account to access information. I received emails from XXXX through XXXX stating that I had refunds sent to my account for substantial amounts : XX/XX/XXXX = {$540.00} refund from " XXXX '' XX/XX/XXXX = {$210.00} refund from XXXX XX/XX/XXXX = {$320.00} refund from XXXX ( Order number XXXX ) XX/XX/XXXX = {$54.00} refund from XXXX XXXX ( Order ID : XXXX ) ALL of these were received by the bank and I was not notified. I had no means to receive my money that was supposed to be in my account and I have no received a reply to my questions about my account in MONTHS. I have always gotten " Our specialist team is working on your request '' emails but in the months since I last received a response from the support email at Chime I have heard absolutely nothing and have no means to reach a person on the phone to discuss this matter. They tried making me jump through hoops to prove I am who I am by asking me to send in pictures of my driver 's license, utility bill, and social security number all of which I am not comfortable sharing over the email system. I should be able to speak with a representative who can resolve this matter in a matter of hours not MONTHS so I can have my money back! 

This is a total of {$1100.00} that I am being robbed of by Chime. They closed my account without warning and are still taking refunds that I am entitled to without giving me access to see and work within my account. If the account is truly closed as they said it was on XX/XX/XXXX ( my login access was shut down then I assume ), but then ALL of those transactions should not have been refunded and the original merchants should have received those funds back from which I could work with each of them on alternative forms of refundable payments not dealing with Chime, but the bank has seemingly kept all of my monies and I demand a full refund of all those fees immediately. 

-XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I made a payment in full to Bank of America, When I spoke to Bank of America they told me no balance remained. It seems that {$1.00} interest may have accrued which I was never notified about.This account went 30 days late without me being contacted even once. I was not aware of this when I was made aware of this i paid it off immediately. Why would I not pay a {$1.00} bill when all my other bills are paid on time. Review my full credit report you will see that. This has ruined my credit worthiness and has caused me damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Monterey Collections recently reported an unpaid debt for {$17000.00} on my credit report. Prior to the appearance of this account on my credit profile, I did not receive a notice of my right to dispute. Due to this negligence, Monterey Collection Svcs is violating my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: GA
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:
On my XXXX report dated XXXX, Chase is showing " reaffirmation of debt ( included in bankruptcy ). We do not have a bankruptcy. I contacted Chase XXXX ( Sp/w XXXX XXXX ) on XX/XX/XXXX after disputing this issue with XXXX  and the other bureaus ( XXXX and XXXX ). XXXX XXXX advised that she would have the issue resolved by sending a request to XXXX to have the inaccurate verbiage removed from our credit report and would send me a letter detailing the resolution. I received the faxed letter this morning and this issue is not resolved. The letter sent to me dated XXXX from Chase MTG says there is no foreclosure on my credit reports. We never discussed a foreclosure nor have we ever had a foreclosure! The letter goes on to say that they are requesting all 4 bureaus to update our account with reaffirmation of debt, which is incorrect. We do not have a bankruptcy! I hope that they do not make this request and cause the other two bureaus to report incorrect information. I have attached the letter for your review. 

After receiving this faxed letter, I immediately contacted Chase MTG and spoke with XXXX XXXX, I explained why I was calling and that we do not have a bankruptcy, but Chase MTG keep insisting on reporting incorrect and inaccurate information. XXXX XXXX agreed to resubmit another request to XXXX  requesting that the verbiage : reaffirmation of debt ( included in Bankruptcy ) be removed. 

I am not confident that this situation will be resolved immediately, so I am reaching out to you for assistance with Chase MTG and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/2021, I had started to the process of purchasing a new home down in Florida. I had provided the new home builder with a {$40000.00} deposit to break ground on our new place. At the time of purchase, there was an authorized user account listed ONLY on my Equifax credit report that was issued by XXXX. I had noticed this error previously and placed the account in dispute. I have no idea who the owner of this account is, and Ive been a XXXX customer for almost XXXX  years. Apparently, this was never removed, nor had I received any notification of completion of this debt. My home is near completed. I have my walk through scheduled next XXXX  XX/XX/XXXX and my closing is set for XXXX XX/XX/XXXX. In final preparations for closing, my loan officer needed a new credit report since the report from XXXX had expired. To my surprise, this account is currently XXXX days past due. Because of this issue, I have lost my approval on my mortgage unless I pay the account off in full. When I was informed of this issue, I had contacted Equifax to gather all information that I could regarding this account. I then contacted XXXX and spent hours on the phone with them trying to locate this account. This was unsuccessful. I then went into my local branch to see if they could help. They couldnt find anything. So now, an account that shouldve been removed last year is still reporting and I was never provided with any results from that dispute. This account is now XXXX days past due and unless I payoff a strangers debt that is over XXXX, I stand to lose my home as well as the XXXX that is on deposit since Ive passed my mortgage contingency date. Furthermore, Equifax doesn't even have the full XXXX digit account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After filing multiple requests ( see below ) and providing multiple receipts and proof documents ( often for the same documents ) I am now provided a check in the amount of {$120.00} ( which I am holding in lieu of final settlement ) against a total claim of {$380.00}. No explanation has been provided by Card Benefit Services as to how the check amount was arrived at nor which amounts of the claim have been denied, if any, nor the reasons for any denial. 
Earlier CFPB complaint filings : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
On XX/XX/XXXX found out a credit card was opened fraudulently on my name through Bank of America, after reviewing alerts on my XXXX account. My name, DOB and SSN was used to open the fraudulent account. The account was opened XX/XX/XXXX. By XX/XX/XXXX the account had a balance of {$15000.00}. BOA told me on XX/XX/XXXX they put a hold on the credit card account and opened a fraud claim. They are supposed to be sending me an affidavit form to complete and return. BOA advised it could take approximately 30 days to investigate. 

On XX/XX/XXXX I also filed a police report with XXXX NC XXXX, and contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) to freeze my credit. 

On XX/XX/XXXX I contacted XXXX XXXX to open a fraud claim for ID restoration. This was not done and I had to call back on XX/XX/XXXX to request this again On XX/XX/XXXX, also contacted XXXX to request a 7 year fraud alert- was told they will also notify XXXX and 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 2022-03-01
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off a coop mortgage loan in XXXX, but Mr Cooper still has not terminated the state UCC 4 years later. Their employee XXXX XXXX said to contact her directly in a letter dated XX/XX/XXXX. So, my attorney sent her a letter on XX/XX/XXXX, she did not respond. Then, my attorney followed up with her again 2 weeks later, and still got no response. I called her, left voice messages, emailed her numerous times, including XX/XX/XXXX and XX/XX/XXXX of this year. Four years have passed, her failure to respond has prevented us from selling the property. This is extremely poor customer service, especially she is a Customer Relations Specialist, and is in violation of the law to terminate UCC in a timely fashion after the loan is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 - deposited a check in the amount of {$3000.00} to my checking account through ATM after the deposit was completed, I was advised the check would be on hold until XX/XX/2019 ; approx. 7 business days Following my deposit I called the bank and was advised there was nothing I can do.

1 ) My issue is that prior to accepting the deposit bank should let you know that funds would be held.

2 ) Secondly, the holding time is excessive 3 ) my rent is due on XX/XX/XXXX and will face a penalty of {$50.00} because I will not have the funds 4 ) i had set up payments to come out of the account, which the back returned and imposed overdraft fee Had I known the deposit would be held for so long I would made the time to visit a branch and cash the check of find other means to receive my funds.

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 monetary relief
Consumer complaint received 2018-02-22
Company: Summit Financial Corp.
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:
In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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:
XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.

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 2020-01-22
Company: EQUIFAX, INC.
State: WA
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:
Equifax is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Equifax has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Equifax is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Equifax must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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 is missing that should be on the report

Complaint:
I reported a case of fraud on my XXXXXXXX XXXX  credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX has mishandled this entire matter from the beginning.

Company response to consumer: Closed with explanation