BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX  ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2023-01-28
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime has closed my account after me banking with them for 7 years, i did not breach contract nor did i do anything for my account to instantly be closed ..... 

There are still pending Disputes that need to be resolved that havent. its insane how once i filed a complaint with THe CFPB my accounts gets closed.. 

The closing of the account has put a bad mark on my consumer report which is giving me a hard time to open any other accounts. 

I believe this is wrong and terrible that they will do this. 

i have asked many times for a reason in the closing of my account and no answer has been given.

'There are over XXXX dollars in disputes remain un XXXX. i have submitted all documentation and there is no reason for it to be denied ..... 

they have ruined my consumer report and as well lowered my XXXX XXXX with the early closing of there credit account,,,, which as well gave me a bad mark on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire in XXXX 2016. The insurance made an insufficient payment of XXXX. I was forced to sue the insurer while the home sat damaged. I secured XXXX after suing the insurer. Only XXXX was released despite having evidence the home was 50 % complete. After fighting with the AmeriHome Mortgage third party loss draft service XXXX more was released. This check was issued to me but my name was misspelled. AmeriHome Mortgage would not accept the check at its clearing house after my bank took the check and gave me full credit for it. Once I made the deposit my bank manager confirmed funds with the mortgage clearing house but when the check arrived they refused allow the transaction to be completed. Since then my mortgage continues to address the problem and make appropriate steps to get me repair funds. This act caused me to breach contracts with trades men, workers and subcontractors. It also cause my bank to cease all available funds that were not repair related. Having spent repair money fixing the home now my account is also overdrawn. I also have been forced to rent a house and I am paying for it from my own funds while my home is unlivable. This process has also delayed the repair completion time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: ALLY FINANCIAL INC.
State: MI
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:
The company did a hard inquiry check ok my credit without my acknowledgment.

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 2019-03-02
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: OH
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:
XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. Equifax and XXXX dispute has been denied as well. After going on websites though portal. Still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX  for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2021-01-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I was supposed to receive my pua unemployment benefits bacc pay. Speaking with a representative I asked what was the limits for direct deposits because I was getting about XXXX he said its XXXX a year and that amount should be fine. So I set up my direct deposit for the serve account and received XXXX I tried logging on to get some cash and they permanently suspended my account for no reason saying I violated the terms and I had to write a letter. I am XXXX  for 2 weeks and i been waiting 6 months for unemployment. My Bill 's are still pulling up I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Siggi LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Omni loans are refusing to provide me with a loan because of a prior bankruptcy. In XXXX of 2015, I had to file a XXXX  XXXX because of some personal reasons and part of the roll-up was a loan a had with Omni. Prior to XXXX XXXX, I had a great XXXXyr relationship with the company but like I stated personal things happened and I had to file for a XXXX XXXX. I am not supposed to be discriminated against because of past events and under the Equal Credit Opportunity Act this is not to be. They are targeting my character and this is a direct violation which the law clearly states it is not allowed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: EQUIFAX, INC.
State: TN
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 have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, XXXX & Equifax asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: AZ
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:
Hi, I have an installment loan that is appearing as a " Mortgage '' on my credit report on all three credit bureaus. I have a letter from the loan company that has stated that this loan is an " Installment Loan '' and should NOT be classified as a mortgage. The loan was to purchase a water softener that was {$5800.00} and the loan is only secured by the equipment that was financed and is NOT secured by my home. I have disputed this information with all three bureaus but they keep saying the information is correct even after I give them the letter from the company which is called " XXXX XXXX XXXX '' which states that this is NOT a mortgage account. The bureaus and the loan company both blame each other and nothing get 's done. Besides taking legal action I don't know what to do. 

As of XX/XX/19 I have disputed all my reports which resulted in no changes. As well as disputed this information directly with the loan company which they keep saying is the fault of the credit bureaus. I have documentation which proves this is not a mortgage and should NOT be classified as a mortgage account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Spoke in the phone with a representative who missed pronounce my name several times and didn't completely understand what I was trying to tell her. I believe she said she was based in XXXX. I also sent a USPS certified mail package to Transunion, which was unable to be located since I sent it to the dispute office in PA. I've attached what needs to be submitted to get these fraudulent accounts off of my credit file.

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 2018-03-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.

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 2021-01-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I just took a look at my credit and noticed that I was being reported as being late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this 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 explanation
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was locked out of my credit report by XXXX, Equifax and XXXX while trying to do a dispute because they do not list my current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with Capital One in XXXX XXXX of XXXX. 
After paying off my loan in XXXX, I requested that Capital One mail me an updated copy of the title report for my car to the address I had on file with them. 
It is now the end of XX/XX/XXXX, and Capital One refuses to mail me the updated title report for my car. 

From XXXX XXXX of XXXX, Ive called Capital One more then 15 times to request that they mail me the updated title report for my fully paid off car. 

Each time I call Capital One, the customer service agent I talk to tells me that they are working on correcting the issues and that I should receive the update title report soon. 

The title for my car is very important provides evidence that I own that specific property. On my most recent call on XX/XX/XXXX, the agent said that they cant to do anything and that I should figure it out on my own and provided no resolution to my complaint/ request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
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:
I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b )  .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

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 2019-03-24
Company: EQUIFAX, 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:
I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - This is an addendum to the complaint, original complaint filed XXXX # XXXX XXXX with you and a complaint filed with Fay Servicing in XX/XX/XXXX, as the matter is not completely resolved. 

Please refer to the original complaint filed with you on XX/XX/XXXX. The mortgage servicing company still has not resolved and credited a payment reversal done on XX/XX/XXXX. They made a total of 6 payment reversals to my mortgage loan account, 4 done on XX/XX/XXXX and 2 done on XX/XX/XXXX. They have justified one on XX/XX/XXXX and one on XX/XX/XXXX. They corrected the other 3 in question on XX/XX/XXXX and gave no rationale for their reversing my payments which is very concerning. 

They have not provided an explanation for the second reversal on XX/XX/XXXX and this needs to be credited back to my mortgage account. 

Currently my current mortgage due is showing XX/XX/XXXX. The correct date due should be XX/XX/XXXX. 

I sent Fay Servicing a second " notice of error '' form on XX/XX/XXXX to request an immediate correction on the second of the two entries on XX/XX/XXXX and to adjust my current mortgage. They just responded on XX/XX/XXXX with a brief notice saying the matter has been resolved. This matter has not been resolved. 

They need to correct the second unexplained reversal made on XX/XX/XXXX. 

I appreciate your aggressive assistance in resolving this matter with my mortgage payment. The company made 6 total payment reversals on my account, 2 were explained and justified, however, 3 were corrected without any explanation as to why done, and one still not explained/corrected from  XX/XX/XXXX.

Company response to consumer: Closed with explanation