BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited money into my account last week on XX/XX/2021 for which I have a receipt for the amount of {$380.00}. I also had an additional amount already within my account for the amount of {$28.00}, for a total amount of {$400.00}. I transferred ALL of my funds to my savings account from my checking account within the hour, that same day to protect it from being drawn from before I pay off my bills. Before I can pay off my bills, on XX/XX/2021 I received a text message from Chime stating that my phone number has been changed on my account and to call the customer support number listed. I called said number only to find out v that because someone changed my phone number, I was unable to even reach a customer service representative!!! Can you believe it?!! So I had my husband, whom also had a chime account of his own, call the customer service center in order to speak to a customer service representative about my issue and possible account hack. After the longest phone call imaginable, I'm assured that they will TEMPORARILY freeze my account for me in order to pretect my funds until they are able to update both my phone number and email on my account so that I may access my funds within my savings account. However, even after they updated both my email and phone number, I could not access my account. I was told to email support at XXXX which I proceeded to do. A day went by and I heard nothing so I called customer service and they told me that they had up to 48 hours to respond to my request regarding an email back. So I waited yet another day. I did not, of course, receive a response. I sent ANOTHER email and yet another two days went by, with zero response. I called customer service once again, only to hear the same baloney, that they could do nothing for me and that ONLY the customer support through email could assist me. I explained that its been days, much past the time window quoted by two different service reps and asked to speak to a higher up. Their response is always that there is " no one else to speak to presently due to staff shortage '' and I can't imagine that that is true. If they mess up, I'm sure that someone has to take responsibility just like any other workplace ... So here we are, today is XX/XX/2021 and still I can not access my funds due to poor support from Chime. Please help me to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: WI
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:
Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.

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 2018-09-26
Company: Innovis
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2020-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX  Credit Card Child Support Enforcement XXXX XXXX XXXX  Credit Card 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 explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm trying to close my Bank of America account. The only way they offer to contact them is to call. I threw away my debit card because I was planning on closing the account. The representative told me they can not speak with me without the information on my debit card. I'm simply trying to close my account but can not speak with anyone.

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 2022-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PNC Bank N.A.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please see the attached letter with a detail of the chronology events in this matter. 

I have removed all of my personal information, but left the details of this matter. 

This is against PNC Bank National Association. They have not applied the payments received on my auto loan as instructed, nor do they try to resolve the issue. I became aware of this issue on Wednesday, XX/XX/2021 and it remains an issue. 

Furthermore, I have spoke to several individuals with PNC and they all have a different excuse as to why this was not handled properly. 

I can send you the exhibits which are proof of how this loan has been handled. These will need to be confidential since they have names and account numbers on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt of {$2600.00} to National Credit System, XXXX was paid and taken care of even thou treated unfairly and unjustly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Account status incorrect

Complaint:
validate the amount and the dates of debt, I do not own this debt

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 2018-09-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

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 2017-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.

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 2018-09-26
Company: CORELOGIC INC
State: NY
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:
On XX/XX/2017 I consented to a hard inquiry at XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, NY XXXX. I left as I was told I could not get an answer that day and to wait for a reply in 3-5 business days for a reply via e-mail or telephone. I never received an offer or answer but the Credco inquiry is showing on my report. I went to the shop and there was no one there to help me. Now I am under the impression that the shop is closed as there are 2 cars on the lot and never a sales person in sight. I want this inquiry OFF my credit report as I consented to the inquiry for the purpose of hearing a finance offer. I called credco and they were not interested in helping me besides telling me I consented to the inquiry and they can not help me so it is up to the company to contact me with an offer.

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 2018-09-26
Company: Accelerated Recovery Services, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was in dispute with XXXX XXXX over auto damage I caused to a XXXX  customers car and was attempting to come to a resolution. Instead XXXX  sold the debt to XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX : XXXX ). 

I was contacted by a representative of XXXX XXXX XXXX ( I do not remember his name ) and he threatened that if I did not pay immediately or provide my insurance carrier info he would report the incident to the California DMV and my license would get suspended for driving without insurance. And because the DMV only sends notification via mail, I could get arrested for driving with a suspended license during the time between the suspension starting and the notification arriving in the mail. 

A second representative from Accelerated Recovery Services ( XXXX XXXX ) called both of my parents at their place of business and left voicemails claiming to be a XXXX XXXX XXXX representative, saying that the message was for me that she needed to collect on the debt I owe. She then called me later that day. She threatened that if I did not pay within 24hrs XXXX XXXX would be forced to file a lawsuit against me to collect the debt. I tried to call her back the next day and she didnt pick up. she called me back and left a voicemail saying that I needed to call her back by XXXX  that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery Associates LLC we received your fake letters for a XXXX Debt. Portfolio Recovery Associates is present on my credit reports as XXXX Debt collection. But letters state : This letter is for informational purposes only and is not an attempt to collect a debt. This communication is from a debt collector but is not an attempt to collect a debt. Portfolio Recovery Associates did you add those statements because you do not have a license to collect a debt in Michigan? Lets see letter typed up on XX/XX/2020 but your Debt was purchased on XXXX XXXX this is not a chain of custody letter. This is just Portfolio Recovery Associates typing fake letters and sending out to seniors for free money Scam. My name is from the same typewriter, Portfolio phone Number is from the same typewriter. There is no creditor code on the letter and their is no such thing as the word Seller. Portfolio in your letter you state : Your credit card account with a balance of {$270.00} was acquired by Portfolio Recovery Associates, LLC on or about XX/XX/2020. Portfolio Recovery Associates you did not state any account was sold to Portfolio Recovery Associates. Their is a big difference between sold and acquired. Portfolio Recovery Associates is on my credit reports for an XXXX account collection {$270.00} in which has decrease my credit score that I can not use my credit reports during these times and with Covid-19. Portfolio Recovery Associates you owe me {$25000.00} for falsely sending letters in the mail for free money and I am going to collect. You have one day to remove yourself off my credit reports. I have sent your letters to the proper authority and you should be hearing from the authority with in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Southwest Recovery Services, 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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SER

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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