BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. 
XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. 
The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. 

Please let me know if I can assist you with anything else. 

Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-05-16
Company: Diversified Consultants, Inc.
State: LA
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 don't recognize the company XXXX XXXX XXXX date reported XX/XX/XXXX for the amount of XXXX. 
Diversified Consultant is saying owe the same amount as XXXX.. I don ; t agree  with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ISSUE : Seeking assistance in our complaint with Wells Fargo Home Mortgage in not releasing a Deed of Trust in a timely manner ( 15 plus Days ). Holding up Real-Estate closing with potential losing contract causing undo hardship to myself and our contracted buyer in not providing documents within the contracted widow. 

BACKGROUND : I am currently in the process of closing in the Real-estate sale of my property address of XXXX XXXX XXXX, XXXX, VA XXXX inherited from my brother. His initial mortgage from XX/XX/XXXX in the amount of {$64000.00} was with XXXX XXXX XXXX XXXX, which was acquired by Wells Fargo in XX/XX/XXXX. The loan was refinanced under XXXX XXXX XXXX XXXX in or around XX/XX/XXXX, which it appears a Deed of Trust was not filed with Deed, in acquisition Wells Fargo assumed responsibility for any errors conducted by XXXX in non-compliance with VA XXXX, Paragraph 9. In communication with our Closing Real-Estate Attorneys office Wells Fargo stated they have to research the unreleased deed of trust with a turnaround time for a response of 15 days and then they have to prepare the actual release. The initial closing date was XX/XX/XXXX, per the contract now closing must be completed by XX/XX/XXXX ( 10 days from base closing date of XX/XX/XXXX ). We feel this is an inordinate amount of time to process this action being all document/account history is in-house to Wells Fargo.

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 2022-01-31
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Certegy Holdings, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2021 Certegy declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.

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 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After significant renovations to our home, we contacted Truist to remove the PMI in XX/XX/XXXX. After 7 months of back and forth with them, they approved this ( attached ) on XX/XX/XXXX. However, they are still charging us PMI, and have doubled the PMI premium going forward on the latest statement ( attached ). After phoning and getting no solid response nor timeframe to get this resolved ( and being cut-off again ), we are now trying to get this resolved by contacting the CFPB- as we are not willing to wait another year before they eventually agree / answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Team CFPB, I have four ( 4 ) accounts with Capital One and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have successfully disputed with XXXX, but Equifax will not allow my dispute on their website. This judgement was entered incorrectly and erroneously by the creditor 's attorney and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, I am writing to formally dispute the presence of a fraudulent account on my credit report and to bring to your attention the violations of 15 U.S.C 1681b and 1681c-2. I have discovered that XXXX XXXX XXXX has been reporting an account in my name that I have never authorized or had any association with. 

As a victim of identity theft in the past, I am extremely concerned about the inaccurate and damaging information being reported on my credit report. I have taken immediate action to rectify this matter by providing Experian with the necessary documentation to verify my identity and prove the fraudulent nature of the account. However, I have not received any valid documentation from Experian associating me with this account. 

According to 15 U.S.C 1681b, Experian is required to have permissible purpose or my explicit authorization to furnish my credit information to third parties. I want to emphasize that I have not given Experian, or anyone else, authorization to furnish this fraudulent account information. Therefore, Experian is in direct violation of this provision. 

Furthermore, Experian is in violation of 15 U.S.C 1681c-2, which requires the credit reporting agency to properly investigate and validate the debt before allowing it to be reported on my credit report. I have requested to see how this account was certified, but Experian has failed to provide me with any valid documentation that verifies my association with XXXX XXXX XXXX  or the existence of any signed contract agreement. 

To support my dispute, I have enclosed copies of my Michigan state-issued driver 's license, a valid police report documenting the fraudulent account, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. These documents clearly demonstrate that I have been a victim of identity theft and that the reported account is fraudulent. 

I kindly request that Experian conducts a thorough investigation into this matter and takes immediate action to remove the fraudulent account from my credit report. Additionally, I urge Experian to update my credit report accurately by removing the incorrect address associated with this fraudulent account, as mandated by 15 U.S.C 1681c-2. 

Please provide me with a written response within the timeframe specified by the Fair Credit Reporting Act ( FCRA ), acknowledging the receipt of my dispute and informing me of the actions taken to resolve this matter. If necessary, I am prepared to seek legal assistance to protect my rights under the FCRA.

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 2022-07-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.

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 2023-04-26
Company: NVR INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good Afternoon. 

I am in the process of closing on a home, and have switched over from NVR Mortgage, to XXXX XXXX XXXX. NVR was unable to complete my loan, and XXXX has me almost to my closing in a timely fashion. We are waiting on one document to finalize, which is a transfer letter of my appraisal from NVR Mortgage. 

NVRM did not pay for the appraisal, I did. They are expressing to my new lender, that they wont give a transfer letter ( the only remaining item ) because its not XXXX compliant per XXXX XXXX XXXX. My new lender has sent them countless documentation that it is in fact compliant. From my understanding, XXXX XXXX XXXX has gotten a transfer letter from NVRM in the past, it just seems like the team I am dealing with is uneducated in their profession, and discriminatory towards their clients by not having their best interest in mind. They also are not allowing my lender to speak with their XXXX Department directly, who is the one making the final decision about this. They keep going in circles. 

When I first spoke with XXXX XXXX about a transfer letter, she had asked me if it needed to be in a certain format, making me believe that she is unfamiliar with this practice, and is not communication correctly what is actually needed from them. The same woman who told me I was unable to get a denial letter because it " not in their practice '', which I did eventually receive from my loan officer NVR has been taking things out of context, and communicating misinformation since XX/XX/2022, and our original closing was XX/XX/XXXX, until last minute they were unable to complete my loan. 

XXXX XXXX XXXX has been nothing but helpful, professional, and very educated in their profession. I would recommend them to anyone looking to buy a home, especially as a first time home buyer. NVRM on the other hand are a headache and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.

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 2023-03-15
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:
This account was paid to XXXX  XXXX directly, my credit report DOES NOT reflect it as PAID and only shows it purchased by another lender. 

I called Experian and within XXXX hours the balance was removed and it showed an additional statement " transferred to another lender '' The information is not being accurately reported and should be deleted.

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 2018-02-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to experian for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....

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 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
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:
To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to XXXX, XXXX XXXX EXPERIAN is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to XXXX, XXXX & EXPERIAN since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to XXXX, XXXX XXXX EXPERIAN immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes Experian, XXXX, and XXXX. 

Ive notified XXXX support services XXXX, XXXX, Experian through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( 2 ) Duty to correct and update information : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief