BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I made XXXX transfer transactions to my chime account from my XXXX XXXX account. XXXX transaction in the amount of {$150.00} and a second transaction of {$520.00}. My account was fine with chime as I didnt have any problems with using my chime card until XX/XX/2023 as I received a email from chime stating that my account was on hold. I contacted them and I was asked to send them my identification card front and back as well as proof of me being the account holder of the account I transferred from. I did that no problem. I then receive a email saying my account is closed and I can not get any of my funds because it does not comply with the deposit account agreement. For more information please review the amendment and cancellation section of the chime deposit agreement. I went and did just that and read everything. I do not use my account for business purposes its my personal account as well as I dont have a business. I completely complies with each and everything they asked me to send to them and I kept getting the run around. I cant even get through to a representative via my mobile device at all as they have me blocked. This is rediculous all my information matches I didnt do anything inappropriate and again Im using my chime account for personal use never used it for business purposes in any way. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
DEAR BANK OF AMERICA ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-09-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In light of the newly acquired information, it is imperative that American Express establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is one more attempt to get a fair solution to this issue with Bank of America. I have called them several times and explained my situation but they've ignored me and they just wrote a note on the account. 

The account was opened fraudulently. I was told by the BOA customer service representative that as soon as the account closing happened, the money was going to be taken out of my savings deposit account and that I didn't need to pay. Despite this, BOA still ended up reporting account as a charge-off. 

Now Im unable to get a mortgage, Im asking that this account be removed from my credit report as soon as possible. This issue has caused several financial and emotional damages. All I am asking is what is fair. 

The account information is as follows : Bank of America credit card, credit limit {$300.00}, date opened XX/XX/2018.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2022-11-13
Company: EQUIFAX, INC.
State: AL
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 submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and XXXX failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX  county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PORTFOLIO RC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XXXX XXXX  is reportingXX/XX/XXXXIt is a violation to re-age a collection account How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had student loans starting from XX/XX/XXXX. Once it was time to start paying I called us doe, was told XXXX XXXX had my loans. Called XXXX XXXX and they informed me Navient had them. Navient was adamant they did not. Spent 2 years you g back and forth looking for my loans. I gave up. Fast forward to XX/XX/XXXX XXXX XXXX tells me that NAVIENT sold my loans to them. Too late, they had been in default for a while. I had to rehab them. Meanwhile my credit score drops severely. I pay XXXX XXXX for 10 months only to find out they got transferred BACK to Navient!! I do n't want to deal with these people and have to worry about if they 're going to do me dirty again. I should have never been in this situation to begin with. Navient lied to me about not having my loans when they did and it hurt me since I was not able to make my payments. What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report before a large purchase and this creditor is on my credit report twice, once with no data and a second time saying I paid something on time twice. I do not know who these people are and why they are on my consumer report. They need to remove their information from my consumer report immediately. I am also unaware as to how they acquired my personally identifiable information without express written permission from me. So my privacy has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Please see closed complaint # XXXX. HSBC bank acknowledged they have my funds and agreed to return if my bank, XXXX XXXX, would supply an indemnification statement. My bank states they have done so on a number of occasions. HSBC first stated wording was not to their satisfaction, then stated it was not in correct format. This exchange between HSBC and XXXX XXXX began on XX/XX/2023. I am getting the runaround from XXXX XXXX, Complaint Specialist, at HSBC. My bank states they are complying with XXXX, therefore, it appears XXXX is attempting to not return my funds. Other information : I have attempted to indemnify my bank, legally by means to their satisfaction. I have offered to open an account at HSBC so they could simply transfer funds to that account, I have offered to pay for an expedited check to me and HSBC will not accept any other means to return funds other than requested in their correspondence to me on XX/XX/2023. This is unacceptable and an unfair practice given the numerous suggestions I have provided to mitigate this matter. Please reengage in this matter so I can receive funds all parties agree are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was out of work do to XXXX lay -off. I called my back and ask for a deferment. I was given XXXX months and told to make small escrow payment during this time and to apply for XXXX HAF assistance. I followed all of the instruction given. I made 3 payment of {$290.00} for direct deposit to my escrow. On XX/XX/22 I received an email from XXXX HAF that my application was approved and the fund would be release to Wells Fargo. The sent {$4600.00} which is XXXX months of payment covering XXXX XXXX XXXX and XXXX. Wells Fargo applied XXXX XXXX XXXX and misapplied XXXX. I have made 27 call left 14 message and ask for 6 complaint to be filed on my behalf. I am being told my XXXX payment is delinquent, and they did not apply my third payment of {$290.00} which now sits in there unapplied. I have been working with many employee to resolve this misapplied of funds at no success. I am being harassed for being over XXXX delinquent for XXXX payment. I need your help my bank has stolen federal funding meant to help bell out suffering homeowner and now I am being 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 2022-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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:
On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with XXXX. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During my recent review of my consumer credit file as of XX/XX/2023, I noticed that Midwest Receivable Solutions ( account # XXXX ) are furnishing inaccurate information to the following credit agencies XXXX XXXX XXXX, XXXX. The reporting of the above accounts has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 12 CFR 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information : 1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. I DID NOT RECEIVE ANY NOTICE OR INITIAL COMMUNICATION FROM Midwest Receivable Solutions PRIOR TO THIS ALLEGED DEBT BEING PARKED ON MY CONSUMER CREDIT REPORTS. Midwest Receivable Solutions has violated my consumer rights under the above stated laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MD
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
broadly and across the board, both store and general credit cards, are changing the policy to penalize those who live other then the eastern time zone but making the payment cutoff at XXXX. eastern. This permits them to penalize across the board anyone who is in a different time zone and rack up fees- how is this permissible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX demand notice lists no escrow compared to the last monthly mortgage statement which lists an amount of {$1400.00} screenshot from customer portal showing a deficit in escrow XXXX which is in question because I made escrow only payments from XXXX to XX/XX/XXXX. 

XXXX demand notice has a different amount than the last monthly mortgage statement which is due for XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My husband, XXXX XXXX and I, XXXX XXXX have repeatedly asked the XXXX XXXX to stop contacting us on our cell phones, and have given them our landline phone number. However, they continue to call our cell phones. When we remind them that they are not supposed to be calling our cell phones, they get rude and hang up on us.

Company response to consumer: Closed with explanation