BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: Early Warning Services, LLC
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: Old information reappears or never goes away

Complaint:
I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2022-11-07
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 realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We signed a home purchase contract on XX/XX/2021. At the time we had a preliminary loan approval from a mortgage company recommended by our realtor. In the following days we were offered a significantly better rate from Bank of America. We talked to XXXX XXXX at Bank of America on XX/XX/XXXX and began the process. MrXXXX XXXX stated that he may have trouble making our settlement date of XX/XX/XXXX but would work to complete it within a few days of said date. 

Bank of America 's online document portal proved cumbersome and Mr. XXXX asked that we send all documents to him directly. This began a continuous process of Mr XXXX and the automatic portal asking for documents and us providing required documents always on a timely basis. I will note that Mr. XXXX response time during this period did not indicate that time was of the essence. 

Bank of America and MrXXXX XXXX insisted that the inspection, survey and appraisal all be completed immediately and paid for outside of closing. The inspection was completed on XX/XX/XXXX, we received the survey on XX/XX/XXXX and the appraisal was complete by XX/XX/XXXX. We then contacted Mr XXXX to find out if we could still close on XX/XX/XXXX only to hear that he thought underwriting may take until mid XXXX. 

Mr. XXXX then offered us multiple other options, all involving an equity loan on our residence. 

We are not interested in a home equity loan. We are only interested in a loan secured by the property we are purchasing, the loan we started out asking for in XXXX, but they are forcing us to either lose this deal because the sellers are ready to back out and take our deposit, or take what they offer. In addition to our deposit we would lose the money we paid for the survey inspection and appraisal, total over {$5000.00}. 

I will state that myself and my wife both have credit scores above XXXX, we own multiple properties with XXXX debt on them, one car loan of approximately XXXX and no other debt. We have substantial stock portfolio and our income is above XXXX. 

Is this a " Bait and switch '', it feels like one.

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: V and H Portfolio
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has been saying that I owe money to them but I never did ANY BUSINESS with them. I even reach out and they told me over the phone that I didnt have an account with them. But all the sudden I have someone reporting items on my account that is not accurate. I have never did business with XXXX XXXX. Thats the name of the company that I was told by the person helping me fix my credit. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-08-11
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My spend account with Credit Karma was locked around the middle of XXXX - after XX/XX/XXXX. I discovered it when my card was declined several times. I kept calling and the support team couldn't tell me why. I have not had access to my money, which is my federal tax return and now my federal stimulus checks. 

Every time I call to inquire they tell me they can not help me and that the department that is handling the " issue '' does not have phones they only email. I have never received an email from the department that is handling the " issue '' and I have yet to be told what the " issue '' is for certain. 

I have called or emailed numerous times : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - trying to resolve this issue and find out why my account is locked. 

Today, XX/XX/XXXX is the first time someone told me that the special " escalated department '' at Credit Karma needs to send me verification forms to prove that I am who I am - for what purpose - I do not know. 

I was told when I first called my request would be handled in 24-48 hours. 
The supervisor I spoke with today told me " these cases can take a week '', his best case can " be 2-3 days '' and my case is " the worst case he has seen ''. FOR WHAT? I do not know. 

I absolutely say publish this information. XXXX should not use CreditKarma any longer. Just send people their refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/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 2022-11-16
Company: EQUIFAX, INC.
State: AL
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:
I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX are not licensed to collect debt in the state of ALABAMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Factor Trust
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: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Account information incorrect

Complaint:
I leased a new car from XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TXXXXX.  Phone # XXXX. The lease was started on XXXX XXXX. The lease is for 36 months. All payments have been made on time. At this time 20 payments o {$1500.00} have been made. There are 16 payments remaining. XXXX  XXXX  reports to the three Credit Bureaus a balance of {$69000.00}. This is incorrect multiply 16 X {$1500.00} and the balance should be reported as {$25000.00}. XXXX XXXX continues to fraudulently report the wrong amount in order to make their books look better. My account # is XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-05-02
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:
I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX  festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE  WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Accounts and collection agency has violated my rights.

S.C.1681 section 602 A. states I have the right to privacy. it also states under section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Placed a large order with XXXX on XX/XX/XXXX. 

Did not receive items, and rock auto customer service was not helpful, only referred me to XXXX tracking, XXXX tracking shows the items delivered to different city, not the city I specified in order confirmation, which is XXXX XXXX NY XXXX. No GPS location provided by XXXX in delivery confirmation. Or person left with, just saying dropped off to XXXX, the address XXXX XXXX XXXX  is in an apartment building with security, delivery couriers cant actually get to my door, so saying it was dropped off to my door is false, and nothing was left in the mail room for my building. There are XXXX buildings on my street ( XXXX XXXX ) and there is no indication on the tracking showing what building it was dropped off to. Citi Bank denied and tried to close my dispute until I requested them to reopen the case today XX/XX/XXXX with a letter I sent to their billing dispute email address.

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 2021-08-11
Company: Westlake Services, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Westlake financial at XXXX ( XXXX ) XXXX calls excessively after establishing with the company that I do not have an account with them, and have never applied for a loan, credit, or have a debt with them. 6 different agents have told me they removed my phone number from their records and I would stop receiving calls. According to this last agent they have not. It was finally removed. we will see. I am getting at least 4-6 calls a day the past 3 days. This is a new phone number for me and even the agent verified that my name does not match the name they have for this phone number, but they keep calling me.

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 2022-11-07
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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$31000.00} XXXX XXXX  XX/XX/2021.

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 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. 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 explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Attached are the documents for your review. I request the bureau to initiate an investigation into accounts where I have consistently been on time but are inaccurately reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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:
Chime : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX United States. 

Regarding my Chime Account : # XXXX On XX/XX/2023, I used an ATM that must have had a skimmer device in it. I was a victim of Identity Theft and Grand Theft from my Chime Checking account. After the thieves obtained my debit card PIN number, they went to a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and took out increments of {$1000.00} out via XXXX XXXX XXXX {$5200.00} to their XXXX XXXX account name " XXXX '' and sent the money to themselves to phone number XXXX. Then they went to the ATM at the same XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$400.00} out of the ATM totaling {$3100.00}. 

I noticed that my account was getting low and I locked my card and called Chime and reported the unauthorized charges on my account. Chime assured me that the unauthorized charges on my account would be reversed and I would receive provisional credit within 24-48 hours. 

Later that day XX/XX/2023 I went to the XXXX Police Department and filed a police and reported the unauthorized charges on my account. 

Chime was well aware of where the unauthorized charges on my account took place. 

The XXXX Police Department said they would send a police officer out to gather the surveillance video from the graveyard shift and trace the phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next Chime closed my checking and credit accounts, saying that they needed to be closed for security reasons and that I would get a check mailed out to me in 10 days for the provisional credit. 

Meanwhile, I call every day to get the status of my dispute and my provisional credit. I am now starting to move into financial hardship due to the fact that Chime will not reverse the unauthorized charges to my account. Now Chime is telling me XXXX ; y 2023 is when I can have my provisional money back. 

Meanwhile, Chime has closed all access to my accounts through online and the app. 

The situation has gone from bad to worse. So I called the detective that is working on my case and he told me to report Chime for not returning my money from fraud. I am now out {$8300.00} due to fraud and unauthorized charges on my closed Chime account. Someone help!

Company response to consumer: Closed with explanation