BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I attempted to close my business checking account # XXXX. I walked in to the branch in XXXX, IL when I observed three people in the banker cubicle having a private conversation. However when I requested to have the account closed with the teller I was informed that from the 3 employees present only was authorized to close my account and he will not be available to offer assistance at this time. I was then told that despite no customer present at XXXX appointment they will not be able to fit me in to close my account and I will have to wait to receive the help. I was then also told that I need to have an appointment with the banker in order to have the account closed. It is furthermore ironic that at the XXXX appointment that was supposed to be " busy '' there was actually no customer that showed up. 
Two questions : 1 ) How long does it take to close the checking account?

2 ) Is the BofA run for a benefit of its employees? 
Why all of the sudden all of the branch employees became " busy '' and not able to assist is beyond me. Also worth nothing that the branch manager was not in so he wasn't able to assist.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion, XXXX and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

Transunion, XXXX and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from 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 2021-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was diagnosed with XXXX and was unable to earn enough money during my treatment and recovery so I entered into a forbearance agreement with PHH Mortgage. Their Relationship Manager assured me that I would not incur late fees or be reported to the credit bureaus as " late. '' My wife XXXX XXXX and I was reported late to all credit bureaus for 8 months ( XXXX XXXX to XX/XX/XXXX ) while the forbearance plan migrated to a successful loan modification. When PHH requested my trial payments during the initial phase of the loan modification, I made those payments in a timely fashion and PHH reported the trial payments as late. 

I did not discover the damage to our credit reports until recently. My wife and I tried to apply for a car loan at all the banks and credit unions which offer competitive rates of 3 % and were declined several times. Finally, a lender called XXXX approved the car loan at 23 %. 

I have filed a complaint with PHH Mortgage and XXXX. PHH says they did nothing wrong in their letter dated XX/XX/XXXX ( attached ). This contradicts their Relationship Manager claim and their Telephone IVR system says that " you will not be reported late to the credit bureaus while in a forbearance plan. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX ACCOUNT # XXXX 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 a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
inquiry on my credit placed XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Chime Financial Inc
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello - Chime Bank is reporting different amounts to the credit bureaus every month. 
-Chime is reporting my secured credit card as a regular credit card with an open balance. 
The balance is more than my direct deposit monthly. 
-Chime has violated the FCRA Law I believe. 
-I have contacted Chime several times asking for them to correct reporting to the credit bureau XXXX 
-I received several responses basically ignoring my concerns. 
One email was sent by Chime told me to contact the FTC. 
I responded it's Chime 's responsibility to correct their errors. 
-When I call Chime I get nowhere. When I ask for a manager or legal department Chime refuses to transfer me. 
- I have contacted all Credit agencies to file a dispute against Chime. I was told that my report showing an open credit card balance does affect my credit. I was told that it is Chime 's error to correct. 
-I asked Chime for my secure card statements and was refused. 
-This incorrect reporting has horribly affected my life and credit. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX at Car Mart in XXXX, MO and have tried to get the interest rate adjusted under SCRA to 6 % as this purchase was pre service. I spoke with the Finance Manager on the XXXX of XX/XX/XXXX while with my Financial Counselor, and they stated that they were going to reach out to their headquarters for more information regarding SCRA benefits and they would contact me. It has been over a week now and still no resolution to my request. I do not understand why it it taking so long for their response. This is a Federal law which is very clear.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow-up to Complaint ID XXXX In the request noted above, the collections company XXXX XXXX removed the dept from my credit history after realizing XXXX sent that in error. 

On XXXX XXXX sent the same debt that was initially removed by XXXX to a new creditor called Southwest Credit Systems. We are again disputing this collections attempt as this collection is not accurate. XXXX has no re-attempted to get this same {$110.00} charge sent to collections which has caused by Credit score to drop from the 800 's to the 690 's which is unacceptable. If this happens again we will need to take both the credits or comcast to court. Please see the information below copied from the initial complaint ID : I ended my account with XXXX in XXXX of 2020 and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX of 2020, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector XXXX XXXX XXXX said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with XXXX XXXX since it had been reported already on my credit. I contacted XXXX XXXX, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a misbilled balance of around {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Convergent XXXX to inform me that my phone bill was delinquent, however this debt was cleared shortly thereafter due to an accounting error. I reached out to the debt collection company via the email address on the written notice they sent me, # XXXX, and I did NOT get a bounceback/mailer daemon failure, so I assume it was delivered. Upon requesting further information to confirm this debt as well as requesting confirmation that my case has been updated/closed to reflect the state of my debt no longer being valid, no replies were sent back to me despite me sending emails to them with clear requests and documentation to clear my case. This company did do a satisfactory job of clearly identifying themselves as a debt collector, as well as informing me of my rights to challenge this debt notice, which I have, but they have not followed up on the communication channels provided. It is of the utmost importance to me that I get written verification from Convergent XXXX confirming that my case has been closed/that the debt sold to them to be collected from me is no longer valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NC
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 relating 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 2023-09-23
Company: EdFinancial Services
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows 12 open acct with EDFINANCIAL SERVICES L but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: DC
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:
XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud.

Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous ( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: TN
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:
I have had a Synchrony Care Credit card for over 3 years and have worked tirelessly to pay off any and all balances as quickly as possible when Ive used it. Without warning, on XX/XX/XXXX, they closed my account. After spending literally 45 minutes on the phone I was transferred to an account manager who simply stated that they reserve the right to close their cards whenever they do a review of the persons credit, debt to income ratio, debt to credit ratio and other factors. My spouse is undergoing XXXX treatments and this card was my lifeline. It had a XXXX balance with a {$1000.00} line of credit and we needed to use it this week for treatments. They left the other 2 cards I have with them with much smaller balances open, because of course theyre making money from the interest. 3 years Ive paid this card off whenever its been used without fail. Their complete lack of empathy or ethics is absolutely astounding. Why can they just close an account and reply with Weve mailed notification to you as to why but then not close the accounts with a balance? That just raised my debt to balance ratio significantly and my spouse CAN NOT WORK and is seeking treatments for XXXX XXXX What am I supposed to do now, that I really need those funds? Theyre response of, you can always reapply or see if you prequalify was not sufficient. They could have lowered the balance or reached out to me BEFORE just closing the card with impeccable payment history. I still dont have the email or letter they allegedly mailed out 3 days ago to tell me they closed my account without ethical cause or reason. I guess they were not making enough of a percentage return to value the fact that this card was incredibly important to 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX 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