BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted ERC about questionable debt Was told it was with XXXX XXXX XXXX XXXX From over a year ago Then was told it was from a bill in XXXX Called XXXX XXXX XXXX agent went over payment history for the last year Their records showed no missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have reached out to Bank of America numerous times about the 2 fraud credit card accounts and they have yet XXXX XXXX amount XXXX and XXXX XXXX amount XXXX. I have tried to dispute these accounts and reached out to card company they refuse to remove them from my credit! I need help

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 2020-06-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my debit card to a third party account called XXXX  but it is giving me a screen that states " PNC has made a change that prevents you from being able to link your account ''. I have done everything i can think of to resolve the problem and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Innovis
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Nordstrom Credit is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in Nordstrom 's payment program that reduced my monthly payment. The first payment due on Nordstrom 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from Nordstrom stating they were attempting to collect a debt. During the call with Nordstrom, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The Nordstrom staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: EQUIFAX, 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - checked my credit reported and noticed a debt that doesn't belong to me. 
XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. 

Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a violation of the FCRA Section 609 ( a ) ( 1 ). This debt has been illegally reaged according to the original creditor 's date of first delinquency. I am attaching documentation with the DOFD and a copy of my report that shows that the debt has been reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Chime Financial Inc
State: TX
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:
Chime bank I added funds to my credit builder account on the morning on XX/XX/21 while at home on XXXX XXXX XXXX. 16 minutes later, {$190.00} dollars was withdrawn from XXXX XXXX XXXX on XX/XX/21. Ive never been to that store before. This transaction caused my Credit Builder account to become overdrawn.

I called the bank to report fraud, they told me to wait until the funds settled. The funds settled on XX/XX/21. I emailed a claims/dispute form to Chime on XX/XX/21. My claim was denied and by I closed my account on XX/XX/21. On XX/XX/21 I received an email from Chime reversing a decision and rewarding me {$100.00}, half of the money stolen from me. The overdue amount remained. On XX/XX/21 I sent two emails proving that I was at my home during the time of the transactions and my claim was still denied. The old account is still overdrawn, I have not received any of my stolen funds and Chime bank threatens to report the overdrawn account to all three credit bureaus. It is a banks responsibility to provide security for their customers but I was left vulnerable and they did nothing to correct the issues. Chime is an untrustworthy company and is in need of major improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I started to get billed from XXXX XXXX for a card I did not open. The bills started coming in XX/XX/XXXX. I called them and told them I did not apply for, receive, or use the card. They investigated and I received a call, in XX/XX/XXXX, stating that they were able to close the investigation and remove it from my credit score.

In XX/XX/XXXX, I received a later from a collection agency stating that they were attempting to collect a debt. I called and explained the above. I never heard from the agency, but the debt was removed from my credit history. About a month ago, XX/XX/XXXX, the debt has reappeared and I am in the process of disputing it again. Last week I was sent a notice of collection of debt. I called the agency and they do not want to hear it and said I am not able to dispute it and I must pay it.

As a result, Sychrony closed my active XXXX/ XXXX XXXX card for delinquency.

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 2019-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days. 

I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly. 

The promotional offer code was XXXX. Original app ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions 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:
The company in question is Experian. There is an inaccurate item that has been on my credit report that I have been struggling to have removed for years. I finally get XXXX  and XXXX to investigate and the item can not be verified because it is not mine. XXXX and XXXX  properly remove the item from my report! But Experian does a so called investigation that lasts over 45 days and they somehow come back and say the item was verified! As is my right in Texas I ask for the name and contact number for the person who verified the information at XXXX XXXX. Experian tells me they DO NOT have to provide me with that information. They expect me to believe they really did an investigation when they did not! It makes no sense that the other 2 credit bureaus remove the item because it can't be verified but Experian somehow magically verifies it but won't tell me how they did it! I

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 2019-01-28
Company: Diversified Consultants, 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. DIVERSIFIED CONSULTANT ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Innovis
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 victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: AZ
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 CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -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 2019-01-28
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I recently sold our house, XXXX XXXX XXXX XXXX, to a couple, XXXX and XXXX XXXX, who bought the property using an FHA loan that was provided by the XXXX XXXX XXXX located in XXXX, Ohio, with a branch office in XXXX, FL. 

Prior to closing, Mr. XXXX XXXX, general manager of XXXX XXXX XXXX, insisted that the FHA loan provided by his company required the seals on windows in the garage to be repaired. To the best of our knowledge, broken seals on windows in the garage do not constitute a threat to the health or safety of the occupants of the home. Despite our concern that the demand to fix the window was excessive, we agreed to do this so that the sale could close. The window company could not complete the work before closing, so a paid receipt for the estimate of repairs ( {$550.00} paid by XXXX XXXX on XX/XX/19 to XXXX XXXX XXXX XXXX  ) was provided to Mr. XXXX so that the sale could close. 

Even though the work was pre-paid, Mr. XXXX insisted that an additional {$850.00} be held in escrow until the work was completed. To make matters worse, the escrow hold was not put on the closing disclosure provided for our review on XX/XX/19. It only appeared on the day we signed our closing documents, XX/XX/19. We unfortunately did not scrutinize these documents again, and agreed the the escrow hold. However, I believe that changing the closing disclosure on the day of closing is a deceptive trade practice. This should have been made apparent prior to closing so that we could dispute the {$850.00} escrow hold. 

I believe that XXXX XXXX, and specifically Mr. XXXX, has committed several abuses that lead me to believe that he should not be an agent for FHA loans. These include : 1 ) Excessive repair requirements to qualify for an FHA loan 2 ) Excessive and inappropriate escrow holds 3 ) Deceptive trade practices, including changing the closing disclosure document on the day of closing so that an escrow hold could not be contested

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